It s All About Lending: LOANLINER Documents Provide Unique Solutions to Meet Your Needs

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1 LOANLINER Consumer Lending Documents Selection Guide P.O. Box Mineral Point Road Madison, WI Phone: Word Wide Web: MXX186

2 It s All About Lending: LOANLINER Documents Provide Unique Solutions to Meet Your Needs Increasing Loan Volume LOANLINER documents offer flexible, compliant documentation for virtually any open-end plan or closedend consumer loan along with the training and support you need to manage your lending program effectively. Use LOANLINER multi-feature Open-End Lending documents to set up the only plan your members will ever need. Once the plan is open, obtaining advances on the plan is easy. Your member can call, go online, or stop in to request an advance. Increasing Income LOANLINER documents integrate the sale of payment protection right into the lending transaction, giving you the opportunity to provide your member with the protection they need. Once you have set up an open-end plan with payment protection, all your member s future advances can be covered. Improving Efficiency Now you can create a cost-effective credit process that s tailored to meet the needs of your credit union. Choose LOANLINER Open-End Lending documents to reduce the paperwork for you and your members. LOANLINER Electronic documents have been designed for compatibility with most data processors hardware and software. To ensure optimum processing efficiency, we work directly with you and your processor during installation, testing and implementation. To determine whether to use electronic or paper documents, look at: whether the format is more member friendly in paper. whether the document is a static document or needs member/loan specific information added. your volume for the type of plan or loan and/or the state. Managing Lending Risk With LOANLINER documents you can rest assured that every document is compliant with federal and state laws and regulations. CUNA Mutual Group s dedicated legal and insurance experts continually update the documents to guarantee that your lending documents, when used properly, will keep you in compliance. LOANLINER documents simplify compliance for your staff. Strengthening Member Relationships LOANLINER multi-featured Open-End documents simplify and speed up the lending process and give you an important tool to build member relationships. All documents are written in clear, straightforward language, and are easy to use and understand. We offer different formats for the open-end agreement to give you the chance to choose the one best suited to your credit union s operations. Or choose LOANLINER custom documents to integrate your account opening documents with your open-end plan. LOANLINER documents provide you with a valuable tool to increase staff and member confidence and comfort at every stage of the lending process. Process Virtually Any Type of Loan A strong lending program is vital to the success of your credit union. That s why so many credit unions choose LOANLINER documents the integrated system that gives you the documents you need to handle consumer lending in all 50 states. A select set of lending documents are available in Spanish. LOANLINER documents are a proven success in thousands of credit unions across the country; over 70% of all credit unions use them for their consumer plan or loan programs. 1

3 LOANLINER Service and Support Lending Resource Center The Lending Resource Center offers a comprehensive and timely way to stay on top of key lending and compliance issues and a variety of resources to improve your lending performance, available at your fingertips 24/7. Key resources include: compliance alerts with action steps; training and operational needs; credit union best practices; lender tutorials; product news and updates; featured questions and answers; and optional notification of newly published alerts and articles. The Lending Resource Center is available only to credit unions using LOANLINER Lending or Deposit documents or credit unions that offer one or more of the following CUNA Mutual Group products: credit disability insurance, credit life insurance, debt cancellation, guaranteed asset protection or mechanical repair coverage. To request access, go to lendingresourcecenter. LOANLINER Customer Service For assistance in selecting and ordering documents, checking the status of your order, or billing questions, call or [email protected]. Compliance Alerts Stay informed about compliance and regulation changes. For recent compliance updates, go to LOANLINER Compliance Support For assistance in selecting documents and converting to open-end, as well as answers to your compliance and document usage questions, call or [email protected]. Your CUNA Mutual Group Representative Providing you with unique solutions to meet your unique lending needs. Call LOANLINER Open-End User Guide The LOANLINER Open-End User Guide describes the use and process of the different options and formats of LOANLINER Credit Agreements. It also provides information on lending processes that are common to all open-end plans such as initial advances, subsequent advances and incorporating payment protection. The Guide covers how to use vouchers, disbursement receipts security agreements and other miscellaneous documents. LOANLINER Closed-End User Guide Find out how to use the Closed-End LOANLINER Consumer Loan and Security Agreements and Disclosure Statement. LOANLINER Open-End Planning Guide Whether you are new to open-end lending, switching from Basic to PLUS, or switching your credit agreement format, this Guide contains the information you will need to select the best document package for your credit union. 2

4 LOANLINER Consumer Lending Documents Selection Guide This Guide is designed to walk you through the lending event. It will provide you with an overview along with the features and benefits of the documents available (both paper and electronic). The table of contents below is provided for your easy reference. CLOSED-END LENDING DOCUMENTS Table of Contents Application Consumer Closed-End Notes OPEN-END LENDING DOCUMENTS Application Credit Agreements Choose a Plan Option: Basic or PLUS Choose an Agreement Format: Flexible* Packaged Simplified Addendum* DISBURSEMENT DOCUMENTS Basic: Open-End Voucher and Security Agreement* Open-End Voucher* Basic & PLUS: Pre-Approved Payment Order/Agreement Restrictive Check Endorsement Language Stand-Alone Security Agreement* PLUS: Open-End Disbursement Receipt PLUS* Pre-Approved Auto Draft MISCELLANEOUS DOCUMENTS SUPPORTING OPEN-END AND CLOSED-END LENDING Subsequent Action* Adverse Action Notice* Guaranty Agreement* Notice to Co-Signer* Combined Guaranty Agreement and Notice to Co-Signer* FACT Act Notices LOANLINER CREDIT CARD DOCUMENTS Credit Card Application Application and Solicitation Disclosure Credit Card Agreement Credit Card Account Opening Disclosure LOANLINER CONSUMER DOCUMENTS CATALOG LOANLINER Documents , 14, 15, 16 *Also available in Spanish 3

5 LOANLINER Closed-End Lending Documents LOANLINER s Closed-End Lending documents, designed exclusively for credit unions, enable 50 state compatible lending. To ensure compliance peace of mind, LOANLINER Closed-End documents have compiled state requirements into two (2) different versions and offer four (4) state-specific notes for states with different requirements. Application Used to gather borrower credit information and history for closed-end loans. Various formats are available: Basic Application Comprehensive, inclusive version to collect detailed information from the borrower. Express Application Quick, easy version to collect enough borrower information to obtain a credit report. The Application contains specific state notices, such as those for Wisconsin and Ohio, making it compliant in all states. Available with or without a credit card election. The credit card versions include the consensual security interest in shares in the signature language. Refer to the catalog for additional applications. Consumer Closed-End Notes (Loan and Security Agreement and Disclosure Statement) Used when a borrower has been approved for a closed-end loan. It provides the disclosures required by Reg. Z, the contract terms between the Credit Union and borrower(s), and the voluntary payment protection enrollment and certificate/agreement. Based on the states you lend in, choose one of the versions below. Standard Right to Cure* Iowa Louisiana New Hampshire Virginia Wisconsin *Right to Cure states: CO, DC, KS, MA, ME, MO, NE, WV and state-chartered credit unions of SC. We offer a series of consumer notes for your consumer lending needs as a fixed rate only or a fixed/variable rate note. Plus we offer a series of consumer dwelling notes as a fixed rate or a variable rate note to be used for dwelling loans. See the catalog for a complete listing of available closed-end notes. The Closed-End Notes include a credit union copy, a borrower copy, and in some versions, a filing copy and the Borrower s Copy of the Payment Protection Certificate/Agreement. Special Note on Mobile Homes: Regulation Z states that loans on mobile homes cannot be done on open-end consumer lending documents. If mobile homes are personal property in your state, you will need to use a consumer dwelling note for the transaction. 4

6 LOANLINER Open-End Lending Documents The LOANLINER Open-End Consumer Lending documents, designed exclusively for credit unions, provide your credit union with a fast, efficient and economical system for granting credit to your members that incorporates Truth in Lending disclosures and all required consumer credit disclosures. LOANLINER documents make it easy to enroll members in CUNA Mutual Group s Payment Protection coverage. CHOOSE AN APPLICATION Used to gather borrower credit information so that your credit union can establish creditworthiness on your borrower(s). Various formats are available: Basic Application Comprehensive, inclusive version to collect detailed information from the borrower. Express Application Quick, easy version to collect enough borrower information to obtain a credit report. The Application is available with or without a credit card election. The credit card versions include the consensual security interest in shares in the signature language. Refer to the catalog for additional versions. CHOOSE AN OPEN-END PLAN OPTION Plan Options Two (2) plan options are available for open-end lending. These options are referred to as the Basic and the PLUS option. The differences between the two (2) options are in the agreements included in the documents used to establish the Plan. Under both options, the disclosures are given and the agreements are signed at the time that the Plan is opened. Basic Option The Basic option includes only the Credit Agreement. With this option, it is expected that whenever the borrower offers collateral as security for an advance, the collateral owners will agree to the terms of a Security Agreement by signing a Voucher or a separate Security Agreement at the time of the advance. Thus, the Basic option requires two (2) signatures. One signature is for agreeing to the terms of the Credit Agreement when the Plan is opened. The second signature is for agreeing to the terms of the Security Agreement at the time of each advance if collateral is offered. If no collateral is offered as security then there is no need to sign a Security Agreement. PLUS Option The PLUS option combines the Credit Agreement and Security Agreement into one (1) form. This means the borrower has to sign agreeing to the terms and conditions of both agreements only once, when the Plan is established. This streamlines the lending process because when the borrower offers collateral to secure the Plan, no additional signatures are needed at the time of an advance. The credit union may send the borrower a receipt or other document, which clearly describes the collateral being offered as security and the payment terms. The LOANLINER Program offers a Disbursement Receipt that should be used with the PLUS option for this purpose. Note: If state law requires you to file a signed copy of the Security Agreement for any secured advances, a separate Security Agreement will be needed. Credit unions lending in AR, CO, DC, LA, NE, OH, SD, and WY will need either a Voucher and Security Agreement or a stand-alone Security Agreement to perfect liens on titled property. We recommend you consult your attorney regarding your business decisions to eliminate added signatures using the PLUS Plan option. For more specific information, refer to the LOANLINER Open-End User Guide. 5

7 LOANLINER Open-End Lending Documents CHOOSE AN OPEN-END AGREEMENT FORMAT All formats are personalized with your credit union name, logo, and address. Customization is also available. Flexible Format The Flexible format includes: Part 1 Credit Union Copy includes the necessary Plan Signatures, duplicate language of the Credit Agreement as provided in the Borrower Copy and the Election of Voluntary Payment Protection. Part 2 Borrower Copy of the Credit Agreement, Billing Rights, and the Voluntary Payment Protection Certificate/Agreements provided as a compact brochure in the paper version. The Flexible Format: Allows you to use any type of application you wish at account opening. For example, you can use this format with an Internet application, loan-by-phone application, an express application or full application (either paper-based or electronic). Includes a signed Credit Agreement in each borrower s file. CREDIT AGREEMENT AND VOLUNTARY PAYMENT PROTECTION Signatures for both the Plan and the payment protection election are on one side. CUNA MUTUAL GROUP, 1980, 82, 84, 86, 89, 98, 99, FLEXIBLE AGREEMENT SYSTEM 2000, 04-06, 09, 10, ALL RIGHTS RESERVED CREDIT UNION COPY BXX029 Provides an easy to mail borrower s copy, in paper, because of its compact brochure format. BORROWER COPY IMPORTANT RETAIN FOR YOUR RECORDS BORROWER 1 NAME (Please Print) ACCOUNT NUMBER BORROWER 2 NAME (Please Print) ACCOUNT NUMBER This LOANLINER Credit Agreement, which includes the Truth in Lending Disclosures, will be referred to as the Plan. The Plan documents include this agreement and an Addendum. You, your and borrower mean any person who signs the Plan. Credit Union, we, our and us mean the Credit Union whose name appears on the Plan or anyone to whom the Credit Union transfers its rights under the Plan. 1. HOW THIS PLAN WORKS This is an open-end, multi-featured credit plan. We anticipate that, from time to time, you will borrow money (called advances ) under the Plan. We are not required to make advances to you under the Plan and can refuse a request for an advance at any time. The Addendum describes the different types of credit (called subaccounts ) available under the Plan, the current interest rate for each subaccount expressed as a daily periodic rate and corresponding annual percentage rate and other charges. It may also have other terms and a schedule for determining the payment amounts. 1. You have received and read the LOANLINER Credit Agreement or LOANLINER Credit/Security Agreement, including the Addendum ( Agreement ) and Borrower Copy of the LOANLINER Credit/Security Agreement and Voluntary Payment Protection. For Credit Insurance only, you understand that enrollment applies to all accounts under the Agreement. By signing below you agree to be bound by the terms of the Agreement. 2. You grant us a security interest in all individual and joint share and/or deposit BORROWER 1 SIGNATURE DATE (SEAL) X X SIGNATURE OF MEMBER (Be sure to check one of the boxes above) APP NE Credit Agreement Signatures Enrollment /Application and Schedule for Voluntary Payment Protection Open-End Plan Signatures 2. CREDIT LIMIT We may, but do not have to, establish a credit limit on certain subaccounts. If a credit limit is set for a subaccount, you promise not to exceed the established credit limit. If you exceed the credit limit, you promise to repay immediately the amount which exceeds the credit limit. 3. REPAYMENT You promise to repay all amounts you owe under the Plan plus interest. Payments are due on the last day of the month unless we set a different day at the time of an advance. If the Addendum has no payment schedule for a subaccount, your payment will be determined at the time of each advance. Payments must include any amount past due and any amount by which you have exceeded any credit limit you have been given for a subaccount. You may repay all or part of what you owe at any time without any prepayment penalty. Even if you prepay, you will still accounts you have with us now and in the future to secure what you owe under the LOANLINER Credit Agreement or LOANLINER Credit/Security Agreement. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. Shares and deposits in an Individual Retirement Account, and any other account that would lose special tax treatment under state or federal law if given as security, are not subject to the security interest you have given in your shares and deposits. X X (SEAL) CMFG Life Insurance Company Madison, WI Phone: You or Your means the member and the joint insured (if applicable). Credit insurance is voluntary and not required in order to obtain this loan. You may select any insurer of your choice. You can get this insurance only if you check the yes box below and sign your name and write in the date. to resume, you will be considered at work. The rate you are charged for the insurance is subject to change. You will receive written notice before any increase goes into effect. You have the right to stop this insurance by notifying your credit union in writing. Your signature below means you agree that: If you elect insurance, you authorize the credit union to add the charges for insurance to your loan each month. PLEASE REFER TO YOUR CERTIFICATE FOR DETAILS. (continued on reverse side) BORROWER 2 SIGNATURE DATE SINGLE CREDIT DISABILITY SINGLE CREDIT LIFE JOINT CREDIT LIFE If you are totally disabled for more than 30 days, then the disability benefit will begin with the 31st day of disability. XXX-XXXX-X MAXIMUM MONTHLY TOTAL DISABILITY BENEFIT $ XXX N/A MAXIMUM INSURABLE BALANCE PER LOAN ACCOUNT $XX,XXX $XX,XXX MAXIMUM AGE FOR INSURANCE XX XX ACCOUNT NUMBER YOU ELECT THE FOLLOWING INSURANCE COVERAGE(S) DATE OF ISSUE OF THIS CERTIFICATE SECONDARY BENEFICIARY (If you desire to name one) ABC FEDERAL CREDIT UNION Springdale Drive P.O. Box 509 Madison, WI YES NO CUNA MUTUAL GROUP, 1980, 82, 84, 86, 89, 98, 2000, 01, 04, 06, 07, 09, 10, ALL RIGHTS RESERVED BXX038 GROUP POLICY NUMBER COST PER $100 OF YOUR MONTHLY LOAN BALANCE You are eligible for disability insurance only if you are working for wages or profit for 25 hours a week or more on the date of any advance. If you are not, that particular advance will not be insured until you return to work. If you are off work because of temporary layoff, strike or vacation, but soon You are eligible for insurance up to the Maximum Age for Insurance. Insurance will stop when you reach that age. NOTE: THE LIFE AND DISABILITY INSURANCE CONTAINS CERTAIN BENE- FIT EXCLUSIONS, INCLUDING A PRE-EXISTING CONDITION EXCLUSION. INSURANCE MAXIMUMS DISABILITY DATE MEMBER S DATE OF BIRTH DATE JOINT INSURED S DATE OF BIRTH SIGNATURE OF JOINT INSURED (CO-BORROWER) (Only required if JOINT CREDIT LIFE coverage is selected) COVERED MEMBER (please print) N/A LIFE Packaged Format The Packaged format includes: Part 1 Credit Union Copy of the Open-End Plan Signatures, Credit Agreement and the Election of Voluntary Payment Protection. Part 2 Borrower Copy is a duplicate of the Credit Union Copy of the Plan Signatures, Credit Agreement and Election of Voluntary Payment Protection. Part 3 Borrower Copy of the Billing Rights and Payment Protection Certificate/Agreement Springdale Drive P.O. Box 509 Madison, WI ABC FEDERAL CREDIT UNION ABC FEDERAL CREDIT UNION Springdale Drive P.O. Box 509 Madison, WI ABC FEDERAL CREDIT UNION Springdale Drive P.O. Box 509 Madison, WI This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act. WHAT TO DO IF YOU FIND A MISTAKE ON YOUR STATEMENT If you think there is an error on your statement, write to us at the address listed on your statement. In your letter, give us the following information: Account information: Your name and account number. Dollar amount: The dollar amount of the suspected error. 1. You have received and read the LOANLINER Credit Agreement, including the Addendum ( Agreement ) and Voluntary Payment Protection. For Credit Insurance only, you understand that enrollment applies to all accounts under the Agreement. By signing below you agree to be bound by the terms of the Agreement. OPEN-END PLAN SIGNATURES ENROLLMENT/ SCHEDULE IMPORTANT! Read and Retain For Future Reference IMPORTANT! Complete all sections before detaching Part 1 BILLING RIGHTS KEEP THIS NOTICE FOR FUTURE USE Signatures Open-End Plan Signatures BORROWER 1 NAME (Please Print) ACCOUNT NUMBER BORROWER 2 NAME (Please Print) ACCOUNT NUMBER Open-End Plan Signatures After we finish our investigation, one of two things will happen: (1) If we made a 2. You grant us a security interest in all individual and joint share and/or believe is wrong and why you believe it is a mistake. BORROWER 1 NAME (Please Print) ACCOUNT NUMBER BORROWER 2 NAME (Please Print) ACCOUNT NUMBER You must contact us: Description of problem: If you think there is an error on your bill, describe what you deposit accounts you have with us now and in the future to secure what you owe mistake: You will not have to pay the amount in question or any interest or other fees related to that amount; (2) If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees. We will send you under the LOANLINER Credit Agreement. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. Shares and deposits Within 60 days after the error appeared on your statement. you as delinquent if you do not pay the amount we think you owe. The Packaged Format: Makes it easy for your credit union to use the right documents at the right time - no worries that you haven t given the borrower a copy. Transfers the borrower s signature and payment protection election to all copies. Allows you to use any type of application you want - Internet application, loan-by-phone application, express application or full application (either paper-based or electronic). Provides an easy to mail borrower s copy. All they have to do is complete and sign Part 1, tear it off, and return it to you. CUNA MUTUAL GROUP, 1980, 82, 84, 86, 89, 98, 2000, 01, 06, 07, 09-11, ALL RIGHTS RESERVED 1. You have received and read the LOANLINER Credit Agreement, including the Addendum ( Agreement ) and Voluntary Payment Protection. For Credit Insurance only, you understand that enrollment applies to all accounts under the Agreement. By signing below you agree to be bound by the terms of the Agreement. 2. You grant us a security interest in all individual and joint share and/or deposit accounts you have with us now and in the future to secure what you owe Signatures Enrollment /Application and Schedule for Voluntary Payment Protection At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong. You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question. WHAT WILL HAPPEN AFTER WE RECEIVE YOUR LETTER When we receive your letter, we must do two things: (1) Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error; (2) Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct. While we investigate whether or not there has been an error: We cannot try to collect the amount in question, or report you as delinquent on that amount. The charge in question may remain on your statement, and we may continue to charge you interest on that amount. While you do not have to pay the amount in question, you are responsible for the remainder of your balance. We can apply any unpaid amount against your credit limit. BORROWER 1 SIGNATURE DATE Enrollment /Application and Schedule for Voluntary Payment Protection The Credit Union Difference... Credit unions remain unique among financial institutions. While others offer products to generate profit, credit unions provide them to serve members needs. PART 3 MEMBER COPY a statement of the amount you owe and the date payment is due. We may then report If you receive our explanation but still believe your bill is wrong, you must write to us within 10 days telling us that you still refuse to pay. If you do so, we cannot report you as delinquent without also reporting that you are questioning your bill. We must tell you the name of anyone to whom we reported you as delinquent, and we must let those organizations know when the matter has been settled between us. If we do not follow all of the rules above, you do not have to pay the first $50 of the amount you question even if your bill is correct. YOUR RIGHTS IF YOU ARE DISSATISFIED WITH YOUR CREDIT CARD PURCHASES If you are dissatisfied with the goods or services that you have purchased with your credit card, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. To use this right, all of the following must be true: (1) The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.); (2) You must have used your credit card for the purchase. Purchases made with cash advances from an ATM or with a check that accesses your credit card account do not qualify; (3) You must not yet have fully paid for the purchase. If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at the address listed on your statement. While we investigate, the same rules apply to the disputed amount as discussed above. After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent. CMFG Life Insurance Company Madison, WI Phone: You or Your means the member and the joint insured (if applicable). You are eligible for disability insurance only if you are working for wages or profit for 25 hours a week or more on the date of any advance. If you Credit insurance is voluntary and not required in order to obtain this loan. are not, that particular advance will not be insured until you return to work. You may select any insurer of your choice. You can get this insurance only If you are off work because of temporary layoff, strike or vacation, but if you check the yes box below and sign your name and write in the date. CMFG Life Insurance Company soon Madison, to resume, WI you will be considered Phone: at work. The rate you are charged for the insurance is subject to change. You will receive written notice before any increase goes into effect. You have the You are eligible for insurance up to the Maximum Age for Insurance. right to stop this You insurance or Your by notifying means the your member credit union and the in joint writing. insured Your (if applicable). Insurance will stop You when are eligible you reach for disability that age. insurance only if you are working for wages signature below means you agree that: or profit for 25 hours a week or more on the date of any advance. If you are Credit insurance is voluntary and not required in order to obtain NOTE: this THE loan. LIFE AND DISABILITY INSURANCE CONTAINS CERTAIN BENE- If you elect insurance, not, that particular advance will not be insured until you return to work. If You may you select authorize any insurer the credit of your union choice. to add You the can charges get this insurance FIT EXCLUSIONS, only INCLUDING A PRE-EXISTING CONDITION EXCLUSION. for insurance to you are off work because of temporary layoff, strike or vacation, but soon if your check loan each the yes month. box below and sign your name and write PLEASE in the date. REFER TO YOUR CERTIFICATE FOR DETAILS. to resume, you will be considered at work. The rate you are charged for the insurance is subject to change. You will receive written notice before any increase goes into effect. You have the You are eligible for insurance up to the Maximum Age for Insurance. right to stop this insurance by notifying your credit union in writing. Your Insurance will stop when you reach that age. signature below means you agree that: NOTE: THE LIFE AND DISABILITY INSURANCE CONTAINS CERTAIN BENE- If you elect insurance, you authorize the credit union to add the charges FIT EXCLUSIONS, INCLUDING A PRE-EXISTING CONDITION EXCLUSION. for insurance to your loan each month. PLEASE REFER TO YOUR CERTIFICATE FOR DETAILS. Among insurance companies, there s a CUNA Mutual Group difference, too. Our purpose stays focused: To help credit unions continue to provide superior value, highest quality products and unmatched services to members. For members... X X By offering CUNA Mutual Group s lending-related products and services, you can take comfort in knowing that your credit union is taking the steps N/A necessary to protect your family and collateral should a life-altering event ever occur. More exact details of this insurance coverage are contained in the Certificate of Insurance on the reverse side. Read and retain for future reference. CUNA Mutual Group is the marketing name for CUNA Mutual Holding Company, a mutual insurance holding company, its subsidiaries and affiliates. Life, accident, health and annuity insurance products are issued by CMFG Life Insurance Company. Property and casualty insurance products are issued by CUMIS Insurance Society, Inc. Each insurer is solely responsible for the financial obligations under the policies and contracts it issues. PART 2 MEMBER COPY under the LOANLINER Credit Agreement. When you are in default, you authorize us to apply the balance in these accounts to any amounts due. Shares and deposits in an Individual Retirement Account, and any other account that would lose special tax treatment under state or federal law if given as security, are not subject to the security interest you have given in your shares and deposits. X X (SEAL) (SEAL) BORROWER 2 SIGNATURE DATE SINGLE CREDIT DISABILITY SINGLE CREDIT LIFE JOINT CREDIT LIFE SINGLE CREDIT DISABILITY If you are totally disabled for more than 30 days, then the disability benefit will begin with the 31st day of disability. SINGLE CREDIT LIFE XXX-XXXX-X MAXIMUM MONTHLY TOTAL DISABILITY BENEFIT $ XXX N/A JOINT CREDIT LIFE MAXIMUM INSURABLE BALANCE PER LOAN ACCOUNT $XX,XXX $XX,XXX MAXIMUM AGE FOR INSURANCE XX XX If you are totally disabled for more than 30 days, then the disability benefit will begin with the 31st day of disability. XXX-XXXX-X MAXIMUM MONTHLY TOTAL DISABILITY BENEFIT $ XXX N/A MAXIMUM INSURABLE BALANCE PER LOAN ACCOUNT $XX,XXX $XX,XXX MAXIMUM AGE FOR INSURANCE XX XX ACCOUNT NUMBER YOU ELECT THE FOLLOWING INSURANCE COVERAGE(S) YES NO COST PER $100 OF YOUR MONTHLY LOAN BALANCE COVERED MEMBER (please print) ACCOUNT NUMBER GROUP POLICY NUMBER DATE MEMBER S DATE OF BIRTH DATE JOINT INSURED S DATE OF BIRTH DATE OF ISSUE OF THIS CERTIFICATE SECONDARY BENEFICIARY (If you desire to name one) SIGNATURE OF MEMBER SIGNATURE OF JOINT INSURED (CO-BORROWER) (Be sure to check one of the boxes above) (Only required if JOINT CREDIT LIFE coverage is selected) APP NE DATE MEMBER S DATE OF BIRTH DATE JOINT INSURED S DATE OF BIRTH BXX00A SIGNATURE OF MEMBER SIGNATURE OF JOINT INSURED (CO-BORROWER) (Be sure to check one of the boxes above) (Only required if JOINT CREDIT LIFE coverage is selected) APP NE CUNA MUTUAL GROUP, 1980, 82, 84, 86, 89, 98, 2000, 01, 06, 07, 09-11, ALL RIGHTS RESERVED X X BORROWER 1 SIGNATURE DATE YOU ELECT THE FOLLOWING INSURANCE COVERAGE(S) DATE OF ISSUE OF THIS CERTIFICATE SECONDARY BENEFICIARY (If you desire to name one) YES NO GROUP POLICY NUMBER COST PER $100 OF YOUR MONTHLY LOAN BALANCE (SEAL) X X PART 1 RETURN TO THE CREDIT UNION in an Individual Retirement Account, and any other account that would lose special tax treatment under state or federal law if given as security, are not subject to the security interest you have given in your shares and deposits. BORROWER 2 SIGNATURE DATE COVERED MEMBER (please print) INSURANCE MAXIMUMS DISABILITY INSURANCE MAXIMUMS DISABILITY PACKAGED AGREEMENT SYSTEM LIFE (SEAL) PACKAGED AGREEMENT SYSTEM BXX00A LIFE 6

8 LOANLINER Open-End Lending Documents Simplified Format The Simplified format includes: Part 1 Credit Union Copy of the Application & Open-End Plan Signatures includes a short application, the necessary Plan signatures and the election of voluntary payment protection. Part 2 Borrower Copy of the Credit Agreement, Billing Rights, Voluntary Payment Protection Certificate/Agreement are provided as a compact brochure in paper. The Simplified Format: Integrates the Plan Signatures into the Express Application, and should be used one time up front to establish the open-end Plan. Provides an easy to mail borrower s copy in the paper version because of its compact brochure format. It can be customized with your credit union name, logo and address, and is clearly marked as the Borrower Copy. Eases cross-selling of services and reduces the number of signatures required from the borrower at account opening. BORROWER COPY IMPORTANT RETAIN FOR YOUR RECORDS Applicant ( ) ( ) PRESENT ADDRESS (Street - City - State - Zip) OWN RENT YEARS AT THIS ADDRESS MORTGAGE/RENT OWED TO: MORTGAGE BALANCE MONTHLY PAYMENT INTEREST RATE COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY PROPERTY STATE: MARRIED SEPARATED UNMARRIED (Single - Divorced - Widowed) START DATE NAME AND ADDRESS OF EMPLOYER EMPLOYMENT INCOME OTHER INCOME $ PER $ PER NET GROSS SOURCE RELATIONSHIP $ Employment/Income NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED. Reference CREDIT AGREEMENT Individual Credit: You must complete the Applicant section about yourself and the Other section about your spouse if: 1. you live in or the property pledged as collateral is located in a community property state (AK, AZ, CA, ID, LA, NM, NV, TX, WA, WI), 2. your spouse will use the account, or 3. you are relying on your spouse s income as a basis for repayment. If you are relying on income from alimony, child support, or separate maintenance, complete the Other section to the extent possible about the person on whose payments you are relying. Joint Credit: Each Applicant must individually complete the appropriate section below. If Co-Borrower is spouse of the Applicant, mark the Co-Applicant box. Check below to indicate the type of account(s) and type of credit for which you are applying. Married Applicants may apply for a separate account. (Including ATM/Debit Card Access to the Account if Available) Amount Requested $ Credit Limit Requested $ Purpose/Collateral : If Authorized User, Name: AND VOLUNTARY LOANLINER Account/Loan: Individual Joint PAYMENT PROTECTION NAME (Last - First - Initial) ACCOUNT NUMBER / DRIVER S LICENSE NUMBER STATE BIRTH DATE SOCIAL SECURITY NUMBER HOME PHONE ADDRESS BUSINESS PHONE/ EXT. NAME AND ADDRESS OF NEAREST HOME PHONE RELATIVE NOT LIVING WITH YOU $ CREDIT UNION COPY Employment/Income Other: Co-Applicant Spouse ( ) ( ) PRESENT ADDRESS (Street - City - State - Zip) OWN RENT YEARS AT THIS ADDRESS MORTGAGE/RENT OWED TO: MORTGAGE BALANCE MONTHLY PAYMENT INTEREST RATE COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY PROPERTY STATE: MARRIED SEPARATED UNMARRIED (Single - Divorced - Widowed) START DATE NAME AND ADDRESS OF EMPLOYER EMPLOYMENT INCOME OTHER INCOME $ PER $ PER NET GROSS SOURCE RELATIONSHIP NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF YOU DO NOT CHOOSE TO HAVE IT CONSIDERED. CUNA MUTUAL GROUP, 1980, 82, 84, 86, 89, SIMPLIFIED AGREEMENT FORMAT 98, 2001, 04, 10, ALL RIGHTS RESERVED BXX013 % $ Reference Credit Card Account: Individual Joint Repayment: Payroll Deduction Cash Military Allotment Automatic Payment Other CUNA MUTUAL GROUP, 1980, 82, 84, 86, 89, 98, 2000, 01, 04, 06, 07, 09, 10, ALL RIGHTS RESERVED BXX038 NAME (Last - First - Initial) ACCOUNT NUMBER / DRIVER S LICENSE NUMBER STATE BIRTH DATE SOCIAL SECURITY NUMBER HOME PHONE ADDRESS BUSINESS PHONE/ EXT. NAME AND ADDRESS OF NEAREST HOME PHONE RELATIVE NOT LIVING WITH YOU $ Plan Opening Application and Signatures % Open-End Addendum The Addendum, which is part of the Open-End Credit Agreement, serves the purpose of disclosing all other terms that are required by either the Truth in Lending Act or contract law. Regulation Z requires an Account Opening Disclosure which is integrated into your Addendum. The Addendum documents all features of your open-end credit Plan. We offer an Addendum Tool so that your credit union can create and maintain your Addendum. 7

9 LOANLINER Open-End Lending Documents CHOOSE YOUR DISBURSEMENT DOCUMENTS The LOANLINER Open-End Consumer Lending Program provides a variety of disbursement documents to fit your credit union s specific needs to open and administer the Basic or PLUS open-end Plans for your members. Once you have selected the Plan option and agreement format you are going to use for your open-end Plan, select the appropriate disbursement document from the choices below. For use with the Basic Option Open-End Voucher and Security Agreement This Voucher can be used for collateralized and non-collateralized advances. Use the Voucher with Subsequent Election of Voluntary Payment Protection to eliminate the need to use a separate Subsequent Action document to add payment protection to an advance. Obtain the necessary signatures at the bottom of the document or use restrictive check endorsement language on the back of the proceeds check in order to get a valid security interest in the collateral. See the catalog for state-specific vouchers. Open-End Voucher Used to document non-collateralized advances such as line-of-credit and overdraft protection advances. It contains no Security Agreement and simply documents the repayment terms. Can also be used for the PLUS option. For use with the Basic or PLUS Option Pre-Approved Payment Order/Agreement Pre-approve your members for a specific dollar amount. The borrower uses the Payment Order to purchase a new/used car, boat, truck or motorcycle, and completes the necessary collateral information and actual purchase price once the price has been negotiated. The Payment Order is not a negotiable instrument, which means that the vehicle dealer must present the Payment Order to you for payment rather than deposit directly at their financial institution. You can ensure your member s advance is protected by cross-selling payment protection, mechanical repair coverage, or guaranteed asset protection during the pre-approval process. The Pre-Approved Payment Order/Agreement works only with open-end lending. Open-end lending provides you with the flexibility to do pre-approvals and document advances through the mail. Restrictive Check Endorsement Language LOANLINER documents provide the language for you to use on a rubber stamp that allows your credit union to obtain the borrower s signature on the proceeds check rather than on the voucher. The language includes agreement to the payment terms, the Security Agreement and the Payment Protection election. This can help your credit union expedite a transaction completed by mail or phone. Language is available for Basic and PLUS options. Stand-Alone Security Agreement This multi-part NCR document (for paper) contains only the terms of the Security Agreement and a place to describe the collateral that will secure the advance. Use this stand-alone Security Agreement if there are owners of collateral who are not borrowers or when collateral is substituted for an advance. Credit unions on the PLUS option find this to be more useful for collateral that is owned by a non-borrower. The margins are adjusted to fit to Colorado requirements for Security Agreements. 8

10 LOANLINER Open-End Lending Documents For use with the PLUS Option Open-End Disbursement Receipt PLUS The Disbursement Receipt is the companion document to the PLUS Credit Agreement (where the Security Agreement is integrated into the Credit Agreement). Using this document allows you to deposit funds directly into the borrower s account, even for secured advances. It serves as documentation of the borrower s repayment terms and a description of the collateral securing the advance (if applicable). Use the Disbursement Receipt with Voluntary Payment Protection Certificate/Agreement, to eliminate the need to use a separate Subsequent Action document to add insurance at the time of an advance. The Disbursement Receipt is also available without payment protection option. When lending in Florida, use Florida specific Disbursement Receipt to comply with their document stamp issues. Do not choose this document if your credit union uses the Basic option for a Credit Agreement. Do not choose this document if your credit union uses the Basic Option for a Credit Agreement Pre-Approved Autodraft The Auto Draft works very much like the Pre-Approved Payment Order except that the Auto Draft is a blank (or real ) check approved up to a specific amount making it less likely the member will accept other financing. The Auto Draft is customized with your credit union s routing number for check clearing (MICR numbers). The back of the Auto Draft contains a restrictive endorsement committing the dealer to the terms of the agreement. You can ensure your member s advance is protected by cross-selling payment protection, mechanical repair coverage, or guaranteed asset protection during the pre-approval process. The Auto Draft works only with open-end lending. Open-end lending provides you with the flexibility to do pre-approvals and document advances through the mail. 9

11 LOANLINER Miscellaneous Documents SUPPORTING BOTH OPEN-END AND CLOSED-END LENDING Subsequent Action Used to document certain transactions which affect an open-end plan or a closed-end loan after they ve been established, allowing your credit union or the member to: Add a borrower to an open-end Plan. Release a co-borrower or guarantor. Release your security interest in the collateral. Extend payments for an advance or closed-end loan. Subsequently elect payment protection. (not available in all states) Waive a previously made payment protection election. (not available in all states) All signatures for the borrower(s) and credit union are in one location, making it less likely for them to be missed. Note: Florida has a state specific Subsequent Action with Statement of Intent. Adverse Action Notice Used to comply with federal law requirements to provide notice of adverse action taken on a credit application or existing debt. It complies with the requirements of the Equal Credit Opportunity Act (ECOA) and the Fair Credit Reporting Act (FCRA). Includes critical changes that help you comply with requirements to send an adverse action notice if a borrower is denied an account or credit union service (such as an ATM card) based on the information found in a credit report. Guaranty Agreement The legal contract that obligates the person guaranteeing the loan or advance to repay. Notice to Co-Signer Federal law requires use of this document which outlines the responsibilities of a guarantor to be given to the guarantor with the Guaranty Agreement. Combined Guaranty Agreement & Notice to Co-Signer Federally-chartered credit unions use this combined Guaranty Agreement and Notice to Co-signer documents. FACT Act Notices FACT Act Notice to the Home Loan Applicant Used to comply with the Fair Credit Reporting Act (FCRA), this document contains two (2) notices, the Negative Information Notice and the Home Loan Applicant Notice. LOANLINER # MXX11* Risk Based Pricing Notice Informs the member that due to their credit report they are receiving credit terms which are materially less favorable than consumers who have better credit histories. Can be imprinted with credit union name, address, telephone numbers and logo. LOANLINER # MXX61* 10

12 LOANLINER Miscellaneous Documents Risk Based Pricing Notice with Credit Score Information Informs the member that due to their credit score they are receiving credit terms which are materially less favorable than consumers who have better credit histories. Provides the member s credit score, a range of credit scores and key factors that adversely affect the credit score. Can be imprinted with credit union name, address, telephone numbers and logo. LOANLINER # MXX66* Account Review Risk Based Pricing Notice Used when performing account reviews at your credit union and based on a credit report or score, you increase the annual percentage rate (APR) on the account. Can be imprinted with credit union name, address, telephone numbers and logo. LOANLINER # MXX62* Account Review Risk Based Pricing Notice with Credit Score Information Used when performing account reviews at your credit union and based on a credit score, you increase the APR on the account. Provides the member s credit score, a range of credit scores and key factors that adversely affect the credit score. Can be imprinted with credit union name, address, telephone numbers and logo. LOANLINER # MXX67* Credit Score Exception Notice Used under the credit score disclosure exception. Used for credit not secured by 1-4 units of residential property. Informs the applicant about their credit score and information regarding consumer reports and credit scores, including information required by FCRA Section 609(g). Provides a range of credit scores and a statement on how the member s credit score compares to other consumers. Can be imprinted with credit union name, address, telephone numbers and logo. LOANLINER # MXX64* No Credit Score Notice Used when a credit score is not available for a member from the credit reporting agency regularly used by the Credit Union. Informs the member that no score was available and provides information regarding consumer reports and credit scores. Can be imprinted with credit union name, address, telephone numbers and logo. LOANLINER # MXX65* 11

13 Credit Card Application LOANLINER Miscellaneous Documents Used to gather borrower credit information for Visa, MasterCard, or Discover card programs. Two (2) choices are available only in paper format. 8.5 x 11 brochure format includes: credit card application, a cover graphic and either a marketing panel or voluntary payment protection enrollment. Choose from four (4) cover graphic designs. To view samples go to and under the left column for Tools and Resources, click on LOANLINER Document Solutions; in the left column click on LOANLINER Document Samples. Complete the registration screen that appears and then the LOANLINER Document Solutions samples will be available. 8.5 x 17 brochure format includes: credit card application, cover graphic, Application and Solicitation disclosure, marketing panel and optional panel for Voluntary Payment Protection. Choose from four (4) cover graphic designs. To view samples go to and under the left column for Tools and Resources, click on LOANLINER Document Solutions; in the left column click on LOANLINER Document Samples. Complete the registration screen that appears and then the LOANLINER Document Solutions samples will be available. Application and Solicitation Disclosure This document informs members about the rates, terms and fees associated with credit cards issued by the Credit Union. This disclosure must be given to the borrower(s) along with a credit card only application that is used for marketing purposes. Credit Card Agreement The Credit Card Agreement is a separate document available in paper or electronic format. When the Credit Card Agreement is provided to the member, a Credit Card Account Opening Disclosure along with the credit card is required to be given. Credit Card Account Opening Disclosure This Disclosure provides member specific rates, fees and terms that are associated with the credit card. When the Credit Card Agreement, along with the actual credit card are provided, this Disclosure must also be provided. 12

14 State specific documents are noted in the document description LOANLINER DOCUMENT LISTING Document Number* Type Document Description Imprint APPLICATIONS (Open-End & Closed-End) AXX02* P & E 1 Full Application Without Credit Card Required AXX12* P & E Full Application With Credit Card Required AXX33* P & E Express With Credit Card (8½ x 11) Required AXX43* P Express With Credit Card (8½ x 5½) Required AXX53* P & E Express Without Credit Card (8½ x 11) Required AXX66* P Full Application Without Credit Card Tumbled Required AXX73* P Express Without Credit Card (8½ x 5½) Required BASIC CREDIT AGREEMENTS BXX00* P & E Packaged Required BXX01* P & E Simplified With Credit Card CU Copy Required BXX02* P & E Flexible CU Copy Required BXX03* P & E Flexible or Simplified Borrower Copy Required BXX08* P & E Simplified Without Credit Card - CU Copy Required BXX70* P & E Flexible - Open-End Plan Signatures - CU Copy Required BXPA3* P PA Flexible or Simplified Borrower Copy Required BXVA0* P VA Packaged Optional BXVA1* P VA Simplified With Credit Card CU Copy Optional BXVA2* P VA Flexible CU Copy Optional BXVA3* P VA Flexible or Simplified Borrower Copy Optional PLUS CREDIT AGREEMENTS BXX04* P & E Flexible or Simplified PLUS Borrower Copy Required BXX05* P & E Packaged PLUS Required BXX06* P & E Simplified PLUS With Credit Card CU Copy Required BXX07* P & E Flexible PLUS CU Copy Required BXX09* P & E Simplified PLUS Without Credit Card CU Copy Required BXX70* P & E Flexible - Open-End Plan Signatures - CU Copy Required BXPA4* P PA Flexible or Simplified PLUS Borrower Copy Required BXVA4* P VA Flexible or Simplified PLUS Borrower Copy Optional BXVA5* P VA Packaged PLUS Optional BXVA6* P VA Simplified PLUS With Credit Card CU Copy Optional BXVA7* P VA Flexible PLUS CU Copy Optional ADDENDUM MXX20* E Addendum Tool N/A * Indicates Version Number 1 P & E stands for Paper and Electronic Document Number* Type Document Description Imprint VOUCHERS AND DISBURSEMENT RECEIPTS VXX00* P & E Line of Credit Optional VXX01* P & E Advance Request Optional VXX03* P & E No Debt, No Insurance Optional VXX05* P & E No Debt, With Insurance Optional VXX07* P & E No Debt, With Insurance & Filing Copy Optional VXX08* P & E Disbursement Receipt PLUS Optional VXX09* P & E Disbursement Receipt PLUS With Insurance Optional & Signature VXFL9* P & E FL Disbursement Receipt PLUS With Optional Insurance & Signature VXX31* P Continuous No Debt, No Insurance Optional VXX32* P Continuous No Debt, With Insurance Optional VXX33* P Continuous No Debt, With Insurance Optional VXX36* P Continuous No Debt, With Insurance & Filing Copy Optional VXFL0* P & E FL Line of Credit Optional VXFL7* P & E FL No Debt, No Insurance Optional VXLA1* P & E LA No Debt, No Insurance & Filing Copy Optional VXWI0* P & E WI No Debt, With Insurance Optional MISCELLANEOUS DOCUMENTS (Open-End & Closed-End) GXX01* P & E Guaranty Agreement Optional GXX11* P & E Guaranty Agreement With Co-Signer Notice Optional GXME0* P & E ME Guaranty Agreement Optional MXCA0* P & E CA Notice to Co-Signer Optional MXIA0* P & E IA 2-PT Notice to Co-Signer Optional MXNY0* P & E NY OE/CE Notice to Co-Signer N/A MXWI0* P & E WI Explanation of Personal Obligation N/A MXX00* P Document Folder Optional MXX02* P & E Notice to Co-Signer Optional MXX05* P & E Subsequent Action Optional MXX06* P & E Subsequent Action Without Insurance Optional MXX07* P & E Adverse Action Optional MXX08* E Adverse Action Mailer Form N/A MXX09* P FL Subsequent Action With Statement of Intent Optional MXX11* P & E FACT Act Notice to Home Loan Applicant Optional MXX1A* E Consumer Truth in Lending Optional MXX61* E Risk Based Pricing Notice Optional MXX62* E Account Review Risk Based Pricing Notice Optional MXX64* E Credit Score Exception Notice Consumer Optional MXX65* E No Credit Score Notice Optional MXX66* E Risk Based Pricing Notice with Credit Score Optional Information MXX67* E Account Review Risk Based Pricing Notice with Optional Credit Score Information MXX70* P & E Pre-Approved Payment Order Optional MXLA7* P & E LA Pre-Approved Payment Order Optional MXX88* P & E Security Agreement Optional MXX90* P & E Security Agreement PLUS Optional CREDIT CARD AXC00* P Credit Card Application With Cover Graphic Required AXC10* P Credit Card Application With Cover Graphic Required & Application & Solicitation Disclosure MXC50* P & E Credit Card Agreement Required MXC40* P & E Application/Solicitation Disclosure - Letter Required MXC45* P & E Credit Card Account Opening Disclosure - Letter Required 13

15 VERSION FORMAT TYPE 1 MEDIA TYPE DOCUMENT NUMBER STATES USED IN LOAN AND SECURITY AGREEMENT AND DISCLOSURE STATEMENTS Right to Cure Fixed /Variable Rate P & E NXRC1* Colorado, DC, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and statechartered credit unions lending to borrowers in South Carolina Right to Cure Fixed Rate P & E NXRC2* Colorado, DC, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and statechartered credit unions lending to borrowers in South Carolina Right to Cure Right to Cure Right to Cure without insurance Right to Cure Right to Cure Right to Cure Variable Rate Fixed Rate E NXRC6* Colorado, DC, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and statechartered credit unions lending to borrowers in South Carolina E NXRC4* Colorado, DC, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and statechartered credit unions lending to borrowers in South Carolina Fixed/Variable Rate P NXRC3* Colorado, DC, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and statechartered credit unions lending to borrowers in South Carolina Fixed/Variable Rate P NXRC5* Colorado, DC, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and statechartered credit unions lending to borrowers in South Carolina Fixed Rate P ZXRC2* Colorado, DC, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and statechartered credit unions lending to borrowers in South Carolina Fixed Rate P ZXRC5* Colorado, DC, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and statechartered credit unions lending to borrowers in South Carolina Iowa Fixed/Variable Rate P & E NXIA1* Iowa No Iowa Fixed Rate P & E NXIA2* Iowa No Iowa Iowa Iowa Iowa Iowa * Document Version Variable Rate Fixed Rate FILING COPY E NXIA6* Iowa No E NXIA4* Iowa No Fixed/Variable Rate P NXIA5* Iowa No Fixed Rate P ZXIA2* Iowa No Fixed Rate P ZXIA5* Iowa No 1 Media Type = P (Paper), E (Electronic), or P & E (Both) LOANLINER DOCUMENT LISTING (continued) FILING STATES Colorado, DC, Nebraska Colorado, DC, Nebraska Colorado, DC, Nebraska Colorado, DC, Nebraska Colorado, DC, Nebraska Colorado, DC, Nebraska Colorado, DC, Nebraska Colorado, DC, Nebraska 14

16 VERSION FORMAT TYPE 1 MEDIA TYPE DOCUMENT NUMBER STATES USED IN LOAN AND SECURITY AGREEMENT AND DISCLOSURE STATEMENTS (continued) Louisiana Fixed / Variable Rate P & E NXLA1* Louisiana Louisiana Louisiana Fixed Rate P & E NXLA2* Louisiana Louisiana Louisiana Louisiana Louisiana Louisiana Louisiana Variable Rate Fixed Rate FILING COPY FILING STATES E NXLA6* Louisiana Louisiana E NXLA4* Louisiana Louisiana Fixed / Variable Rate P NXLA5* Louisiana Louisiana Fixed Rate P ZXLA2* Louisiana Louisiana Fixed Rate P ZXLA5* Louisiana Louisiana New Hampshire Fixed / Variable Rate P & E NXNH1* New Hampshire No New Hampshire Fixed Rate P & E NXNH2* New Hampshire No New Hampshire New Hampshire New Hampshire New Hampshire Variable Rate Fixed Rate E NXNH6* New Hampshire No E NXNH4* New Hampshire No Fixed Rate P ZXNH2* New Hampshire No Fixed Rate P ZXNH5* New Hampshire No Virginia Fixed / Variable Rate P & E NXVA1* Virginia No Virginia Virginia Virginia * Document Version Fixed Rate Variable Rate E NXVA4* Virginia No E NXVA6* Virginia No Fixed / Variable Rate P NXVA5* Virginia No 1 Media Type = P (Paper), E (Electronic), or P & E (Both) LOANLINER DOCUMENT LISTING (continued) 15

17 LOANLINER DOCUMENT LISTING (continued) VERSION FORMAT TYPE 1MEDIA TYPE DOCUMENT NUMBER STATES USED IN LOAN AND SECURITY AGREEMENT AND DISCLOSURE STATEMENTS Wisconsin Fixed / Variable Rate P & E NXWI1* Wisconsin FILING COPY FILING STATES Wisconsin Fixed Rate P & E NXWI2* Wisconsin Wisconsin Wisconsin Variable Rate Fixed Rate E NXWI6* Wisconsin E NXWI4* Wisconsin Wisconsin Wisconsin Fixed/Variable Rate P NXWI5* Wisconsin Fixed Rate P ZXWI2* Wisconsin Wisconsin Fixed Rate P ZXWI5* Wisconsin Standard Fixed /Variable Rate P & E NXX01* All other states plus federally chartered credit unions lending to borrowers in South Carolina Standard Fixed Rate P & E NXX02* All other states plus federally chartered credit unions lending to borrowers in South Carolina Standard Standard Standard without insurance Standard Standard Standard * Document Version Variable Rate Fixed Rate E NXX06* All other states plus federally chartered credit unions lending to borrowers in South Carolina E NXX04* All other states plus federally chartered credit unions lending to borrowers in South Carolina Fixed /Variable Rate P NXX03* All other states plus federally chartered credit unions lending to borrowers in South Carolina Fixed /Variable Rate P NXX05* All other states plus federally chartered credit unions lending to borrowers in South Carolina Fixed Rate P ZXX02* All other states plus federally chartered credit unions lending to borrowers in South Carolina Fixed Rate P ZXX05* All other states plus federally chartered credit unions lending to borrowers in South Carolina 1 Media Type = P (Paper), E (Electronic), or P & E (Both) Arkansas, Ohio, South Dakota, Wyoming Arkansas, Ohio, South Dakota, Wyoming Arkansas, Ohio, South Dakota, Wyoming Arkansas, Ohio, South Dakota, Wyoming Arkansas, Ohio, South Dakota, Wyoming Arkansas, Ohio, South Dakota, Wyoming Arkansas, Ohio, South Dakota, Wyoming Arkansas, Ohio, South Dakota, Wyoming 16