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LOANLINER®

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P.O. Box 391 5910 Mineral Point Road Madison, WI 53701-0391Phone: 800.356.2644 Email: [email protected] Word Wide Web: http://www.loanliner.com

1To view document samples, go to www.loanliner.com and click on Lending Resource Center.

To order call LOANLINER Customer Service at 800.356.5012.

Increasing Loan VolumeLOANLINER® documents offer flexible, compliant documentation for virtually any open-end plan or closed-end 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 IncomeLOANLINER 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 EfficiencyNow 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 RiskWith 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 RelationshipsLOANLINER 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 LoanA 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.

It’s All About Lending:LOANLINER Documents Provide Unique Solutions

to Meet Your Needs



LOANLINER Service and Support

Lending Resource CenterThe 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 e-mail 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 www.cunamutual.com\lendingresourcecenter.

LOANLINER Customer ServiceFor assistance in selecting and ordering documents, checking the status of your order, or billing questions, call 800.356.5012 or e-mail [email protected].

Compliance AlertsStay informed about compliance and regulation changes. For recent compliance updates, go to www.loanliner.com and click on Lending Resource Center.

LOANLINER Compliance SupportFor assistance in selecting documents and converting to open-end, as well as answers to your compliance and document usage questions, call 800.356.5012 or e-mail [email protected].

Your CUNA Mutual Group RepresentativeProviding you with unique solutions to meet your unique lending needs. Call 800.356.2644.

LOANLINER Open-End User GuideThe 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 GuideFind 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.

3

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.

Table of ContentsCLOSED-END LENDING DOCUMENTS Application . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4 Consumer Closed-End Notes . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 4

OPEN-END LENDING DOCUMENTS Application . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Credit Agreements Choose a Plan Option: Basic or PLUS . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 5 Choose an Agreement Format: Flexible* . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Packaged . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 6 Simplified . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7 Addendum* . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 7

DISBURSEMENT DOCUMENTS Basic: Open-End Voucher and Security Agreement* . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 Open-End Voucher* . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 Basic & PLUS: Pre-Approved Payment Order/Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 Restrictive Check Endorsement Language . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 Stand-Alone Security Agreement* . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 8 PLUS: Open-End Disbursement Receipt PLUS* . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9 Pre-Approved Auto Draft . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 9

MISCELLANEOUS DOCUMENTS SUPPORTING OPEN-END AND CLOSED-END LENDING Subsequent Action* . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Adverse Action Notice* . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Guaranty Agreement* . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Notice to Co-Signer* . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 Combined Guaranty Agreement and Notice to Co-Signer* . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10 FACT Act Notices . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10

LOANLINER CREDIT CARD DOCUMENTS Credit Card Application . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Application and Solicitation Disclosure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Credit Card Agreement . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12 Credit Card Account Opening Disclosure . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 12

LOANLINER CONSUMER DOCUMENTS CATALOG LOANLINER Documents . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 13, 14, 15, 16

*Also available in Spanish



LOANLINER Closed-End Lending DocumentsLOANLINER’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.

ApplicationUsed 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.



LOANLINER Open-End Lending DocumentsThe 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 APPLICATIONUsed 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 OPTIONPlan OptionsTwo (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.



LOANLINER Open-End Lending Documents

CHOOSE AN OPEN-END AGREEMENT FORMATAll formats are personalized with your credit union name, logo, and address. Customization is also available.

Flexible FormatThe 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.

• Signatures for both the Plan and the payment protection election are on one side.

• Provides an easy to mail borrower’s copy, in paper, because of its compact brochure format.

Packaged FormatThe 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 PlanSignatures, Credit Agreement and Election of Voluntary Payment Protection.

Part 3 – Borrower Copy of the Billing Rights and Payment ProtectionCertificate/Agreement.

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, 99,

FLEXIBLE AGREEMENT SYSTEM

2000, 04-06, 09, 10, ALL RIGHTS RESERVED

CREDIT UNION COPY

BXX029

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

BORROWER 1 NAME (Please Print)

ACCOUNT NUMBERBORROWER 2 NAME (Please Print)

ACCOUNT NUMBER

Signatures

Open-End Plan SignaturesCredit Agreement

(continued on reverse side)

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

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.BORROWER 2 SIGNATURE

DATE

BORROWER 1 SIGNATURE

DATEEnrollment /Application and Schedule for Voluntary Payment Protection

X

X

(SEAL)

X

(SEAL)

X

MAXIMUM MONTHLY TOTAL DISABILITY BENEFIT

MAXIMUM INSURABLE BALANCE PER LOAN ACCOUNT

MAXIMUM AGE FOR INSURANCE

SIGNATURE OF MEMBER(Be sure to check one of the boxes above)

SIGNATURE OF JOINT INSURED (CO-BORROWER)

(Only required if JOINT CREDIT LIFE coverage is selected)

If you are totally disabled for more than 30 days, then the disability benefit will begin with the 31st day of disability.

DATE

MEMBER’S DATE OF BIRTH

DATE

JOINT INSURED’S DATE OF BIRTH

APP.825-0786NE

INSURANCE MAXIMUMS

DISABILITY$ XXX$XX,XXX

XX

LIFE

N/A$XX,XXX

XX

ACCOUNT NUMBER

DATE OF ISSUE OF THIS CERTIFICATE

GROUP POLICY NUMBERXXX-XXXX-XSECONDARY BENEFICIARY (If you desire to name one)

COVERED MEMBER(please print)

YOU ELECT THEFOLLOWING INSURANCECOVERAGE(S)

SINGLE CREDIT DISABILITYSINGLE CREDIT LIFEJOINT CREDIT LIFE

YES NOCOST PER $100OF YOUR MONTHLYLOAN BALANCE

$.XX

$.XX$.XX

“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.

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.

• 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

to resume, you will be considered at work.• 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.

PLEASE REFER TO YOUR CERTIFICATE FOR DETAILS.

CMFG Life Insurance Company • Madison, WI 53701-0391 • Phone: 800.356.2644

N/A

ABC FEDERAL CREDIT UNION12345 Springdale DriveP.O. Box 509Madison, WI 53715

CREDIT

AGREEMENTAND

VOLUNTARY

PAYMENT

PROTECTION

BORR

OWER

COP

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IMPO

RTAN

T – R

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©CUNA MUTUAL GROUP, 1980, 82, 84, 86, 89,

98, 2000, 01, 04, 06, 07, 09, 10, ALL RIGHTS RESERVED

BXX038

PART 3 – MEMBER COPY

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.

• Description of problem: If you think there is an error on your bill, describe what you

believe is wrong and why you believe it is a mistake.

You must contact us: • Within 60 days after the error appeared on your statement.

• 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.

After we fi nish our investigation, one of two things will happen: (1) If we made a

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

a statement of the amount you owe and the date payment is due. We may then report

you as delinquent if you do not pay the amount we think you owe.

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 fi rst $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 dissatisfi ed 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 mer-

chant, 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 dissatisfi ed 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 fi nish 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.

BILLING RIGHTS — KEEP THIS NOTICE FOR FUTURE USE

®

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.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 . . .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

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 affi liates. 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 fi nancial obligations under

the policies and contracts it issues.

IMPORTANT!Read and Retain For Future Reference

© CUNA MUTUAL GROUP, 1980, 82, 84, 86, 89, 98, 2000, 01, 06,

07, 09-11, ALL RIGHTS RESERVED

Enrollment /Application and Schedule for Voluntary Payment Protection

Signatures


ACCOUNT NUMBER


ACCOUNT NUMBER

PACKAGED AGREEMENT SYSTEMBXX00A

PART 2 — MEMBER COPY

X

X

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

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.BORROWER 2 SIGNATURE

DATE


DATE

X

X

(SEAL)

(SEAL)

Open-End PlanSignatures








DATE


DATE


APP.825-0786NE

INSURANCE MAXIMUMS


XX

LIFE

N/A$XX,XXX

XX

ACCOUNT NUMBER







$.XX

$.XX$.XX










• 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

to resume, you will be considered at work.• You are eligible for insurance up to the Maximum Age for Insurance.







© CUNA MUTUAL GROUP, 1980, 82, 84, 86, 89, 98, 2000, 01, 06,

07, 09-11, ALL RIGHTS RESERVED

Enrollment /Application and Schedule for Voluntary Payment Protection

IMPORTANT! Complete all sections before detaching Part 1

OPEN-END PLANSIGNATURES

ENROLLMENT/SCHEDULE

Open-End PlanSignatures

Signatures

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

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.BORROWER 2 SIGNATURE

DATE


DATE


ACCOUNT NUMBER


ACCOUNT NUMBER

PACKAGED AGREEMENT SYSTEMBXX00A

PART 1 — RETURN TO THE CREDIT UNION

X

X

X

X

(SEAL)

(SEAL)








DATE


DATE


APP.825-0786NE

INSURANCE MAXIMUMS


XX

LIFE

N/A$XX,XXX

XX

ACCOUNT NUMBER







$.XX

$.XX$.XX










• 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 to resume, you will be considered at work.

• You are eligible for insurance up to the Maximum Age for Insurance.







AB

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pringdale Drive

P.O. B

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N/AN/A



LOANLINER Open-End Lending DocumentsSimplified FormatThe Simplified format includes:

Part 1 – Credit Union Copy of the Application & Open-EndPlan Signatures includes a short application, the necessary Plan signatures and the election of voluntary payment protection.

Part 2 – Borrower Copy of the Credit Agreement, BillingRights, 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.

Open-End AddendumThe 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.

Other: � Co-Applicant � Spouse

CREDIT UNION COPY

Employment/Income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

Plan Opening Application

and Signatures

© CUNA MUTUAL GROUP, 1980, 82, 84, 86, 89,

SIMPLIFIED AGREEMENT FORMAT

98, 2001, 04, 10, ALL RIGHTS RESERVED

BXX013

NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF

YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.

Applicant

EMPLOYMENT INCOME$________________ PER _________________

NET GROSS

OTHER INCOME$________________ PER _________________

SOURCE

NAME AND ADDRESS OF EMPLOYER

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.

Reference

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .HOME PHONE

RELATIONSHIP

NAME AND ADDRESS OF NEAREST RELATIVE NOT LIVING WITH YOU

Employment/Income . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .

NOTICE: ALIMONY, CHILD SUPPORT, OR SEPARATE MAINTENANCE INCOME NEED NOT BE REVEALED IF

YOU DO NOT CHOOSE TO HAVE IT CONSIDERED.

EMPLOYMENT INCOME$________________ PER _________________

NET GROSS

OTHER INCOME$________________ PER _________________

SOURCE

NAME AND ADDRESS OF EMPLOYER

Reference

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . .HOME PHONE

RELATIONSHIP

NAME AND ADDRESS OF NEAREST RELATIVE NOT LIVING WITH YOU

PRESENT ADDRESS (Street - City - State - Zip)

OWN RENT

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . YEARS AT THISADDRESS

NAME (Last - First - Initial)

DRIVER’S LICENSE NUMBER / STATE

ACCOUNT NUMBER

COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY

PROPERTY STATE: MARRIED

SEPARATED UNMARRIED (Single - Divorced - Widowed)

SOCIAL SECURITY NUMBERE-MAIL ADDRESS

BIRTH DATE HOME PHONE

BUSINESS PHONE/ EXT.

( )

( )MORTGAGE/RENT OWED TO:MORTGAGE BALANCE$

MONTHLY PAYMENT$INTEREST RATE

%

PRESENT ADDRESS (Street - City - State - Zip)

OWN RENT

. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . YEARS AT THISADDRESS

NAME (Last - First - Initial)

DRIVER’S LICENSE NUMBER / STATE

ACCOUNT NUMBER

COMPLETE FOR JOINT CREDIT, SECURED CREDIT OR IF YOU LIVE IN A COMMUNITY

PROPERTY STATE: MARRIED

SEPARATED UNMARRIED (Single - Divorced - Widowed)

SOCIAL SECURITY NUMBERE-MAIL ADDRESS

BIRTH DATE HOME PHONE

BUSINESS PHONE/ EXT.

( )

( )MORTGAGE/RENT OWED TO:MORTGAGE BALANCE$

MONTHLY PAYMENT$INTEREST RATE

%

STARTDATE

STARTDATE

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.

� LOANLINER® Account/Loan: � Individual � Joint

(Including ATM/Debit Card Access to the Account if Available)

Amount Requested $ _____________________________________________

Purpose/Collateral : _______________________________________________

� Credit Card Account: � Individual � Joint

Credit Limit Requested $ _________________________________________

If Authorized User, Name: ________________________________________

Repayment: � Payroll Deduction � Cash

� Military Allotment � Automatic Payment � Other ______________________________

CREDIT

AGREEMENTAND

VOLUNTARY

PAYMENT

PROTECTION

BORR

OWER

COP

Y

IMPO

RTAN

T – R

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CORD

S

©CUNA MUTUAL GROUP, 1980, 82, 84, 86, 89,

98, 2000, 01, 04, 06, 07, 09, 10, ALL RIGHTS RESERVED

BXX038




CHOOSE YOUR DISBURSEMENT DOCUMENTSThe 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 OptionOpen-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 VoucherUsed 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 OptionPre-Approved Payment Order/AgreementPre-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 LanguageLOANLINER 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 AgreementThis 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.




For use with the PLUS OptionOpen-End Disbursement Receipt PLUSThe 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 AgreementPre-Approved AutodraftThe 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.



LOANLINER Miscellaneous Documents

SUPPORTING BOTH OPEN-END AND CLOSED-END LENDINGSubsequent ActionUsed 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 NoticeUsed 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 AgreementThe legal contract that obligates the person guaranteeing the loan or advance to repay.

Notice to Co-SignerFederal 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-SignerFederally-chartered credit unions use this combined Guaranty Agreement and Notice to Co-signer documents.

FACT Act Notices

FACT Act Notice to the Home Loan ApplicantUsed 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 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.



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.



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.



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.



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.





LOANLINER Miscellaneous DocumentsCredit Card Application 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 www.loanliner.com 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 www.loanliner.com 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.



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

CREDIT CARD

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

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

LOANLINER® DOCUMENT LISTING

State specific documents are noted in the document description

MISCELLANEOUS DOCUMENTS (Open-End & Closed-End)

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

BASIC CREDIT AGREEMENTS

Document Number* Type Document Description Imprint

* Indicates Version Number1 P & E stands for Paper and Electronic

Document Number* Type Document Description Imprint

VOUCHERS AND DISBURSEMENT RECEIPTS

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

APPLICATIONS (Open-End & Closed-End)

AXX02* P & E1 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

MXX20* E Addendum Tool N/A

ADDENDUM



VERSION

FORMAT TYPE

1MEDIATYPE

DOCUMENT NUMBER

STATES USED IN

FILING COPY

FILING STATES

LOAN AND SECURITY AGREEMENT AND DISCLOSURE STATEMENTSRight to Cure Fixed /Variable Rate P & E NXRC1* Colorado, DC, Kansas, Maine, Massachusetts,

Missouri, Nebraska, West Virginia and state-chartered credit unions lending to borrowers in South Carolina

Yes Colorado, DC, Nebraska

Right to Cure Fixed Rate P & E NXRC2* Colorado, DC, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and state-chartered credit unions lending to borrowers in South Carolina


Right to Cure Variable Rate Dwelling Note

E NXRC6* Colorado, DC, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and state-chartered credit unions lending to borrowers in South Carolina


Right to Cure Fixed Rate Dwelling Note

E NXRC4* Colorado, DC, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and state-chartered credit unions lending to borrowers in South Carolina


Right to Curewithout insurance

Fixed/Variable Rate P NXRC3* Colorado, DC, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and state-chartered credit unions lending to borrowers in South Carolina

Yes Colorado, DC,Nebraska

Right to CureContinuous Feed

Fixed/Variable Rate P NXRC5* Colorado, DC, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and state-chartered credit unions lending to borrowers in South Carolina


Right to CureSingle Premium

Fixed Rate P ZXRC2* Colorado, DC, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and state-chartered credit unions lending to borrowers in South Carolina


Right to CureSingle PremiumContinuous Feed

Fixed Rate P ZXRC5* Colorado, DC, Kansas, Maine, Massachusetts, Missouri, Nebraska, West Virginia and state- chartered 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 Variable Rate Dwelling Note

E NXIA6* Iowa No

Iowa Fixed Rate Dwelling Note

E NXIA4* Iowa No

Iowa Continuous Feed

Fixed/Variable Rate P NXIA5* Iowa No

Iowa Single Premium

Fixed Rate P ZXIA2* Iowa No

Iowa Single Premium Continuous Feed

Fixed Rate P ZXIA5* Iowa No

* Document Version1 Media Type = P (Paper), E (Electronic), or P & E (Both)

LOANLINER® DOCUMENT LISTING (continued)



VERSION

FORMAT TYPE

1MEDIATYPE

DOCUMENT NUMBER

STATES USED IN

FILING COPY

FILING STATES

LOAN AND SECURITY AGREEMENT AND DISCLOSURE STATEMENTS (continued)Louisiana Fixed /Variable Rate P & E NXLA1* Louisiana Yes Louisiana

Louisiana Fixed Rate P & E NXLA2* Louisiana Yes Louisiana

Louisiana Variable Rate Dwelling Note

E NXLA6* Louisiana Yes Louisiana

Louisiana Fixed Rate Dwelling Note

E NXLA4* Louisiana Yes Louisiana

Louisiana Continuous Feed

Fixed /Variable Rate P NXLA5* Louisiana Yes Louisiana

Louisiana Single Premium

Fixed Rate P ZXLA2* Louisiana Yes Louisiana

Louisiana Single Premium Continuous Feed

Fixed Rate P ZXLA5* Louisiana Yes Louisiana

New Hampshire Fixed /Variable Rate P & E NXNH1* New Hampshire No

New Hampshire Fixed Rate P & E NXNH2* New Hampshire No

New Hampshire Variable Rate Dwelling Note

E NXNH6* New Hampshire No

New Hampshire Fixed Rate Dwelling Note

E NXNH4* New Hampshire No

New Hampshire Single Premium

Fixed Rate P ZXNH2* New Hampshire No

New Hampshire Single Premium Continuous Feed

Fixed Rate P ZXNH5* New Hampshire No

Virginia Fixed /Variable Rate P & E NXVA1* Virginia No

Virginia Fixed Rate Dwelling Note

E NXVA4* Virginia No

Virginia Variable Rate Dwelling Note

E NXVA6* Virginia No

Virginia Continuous Feed

Fixed /Variable Rate P NXVA5* Virginia No





VERSION

FORMAT TYPE

1MEDIATYPE

DOCUMENT NUMBER

STATES USED IN

FILING COPY

FILING STATES

LOAN AND SECURITY AGREEMENT AND DISCLOSURE STATEMENTSWisconsin Fixed /Variable Rate P & E NXWI1* Wisconsin Yes

Wisconsin Fixed Rate P & E NXWI2* Wisconsin Yes

Wisconsin Variable Rate Dwelling Note

E NXWI6* Wisconsin Yes

Wisconsin Fixed Rate Dwelling Note

E NXWI4* Wisconsin Yes

Wisconsin Continuous Feed

Fixed/Variable Rate P NXWI5* Wisconsin Yes

Wisconsin Single Premium

Fixed Rate P ZXWI2* Wisconsin Yes

Wisconsin Single Premium Continuous Feed

Fixed Rate P ZXWI5* Wisconsin Yes

Standard Fixed /Variable Rate P & E NXX01* All other states plus federally chartered credit unions lending to borrowers in South Carolina

Yes Arkansas, Ohio, South Dakota, Wyoming

Standard Fixed Rate P & E NXX02* All other states plus federally chartered credit unions lending to borrowers in South Carolina


Standard Variable Rate Dwelling Note

E NXX06* All other states plus federally chartered credit unions lending to borrowers in South Carolina


Standard Fixed Rate Dwelling Note

E NXX04* All other states plus federally chartered credit unions lending to borrowers in South Carolina


Standard without insurance

Fixed /Variable Rate P NXX03* All other states plus federally chartered credit unions lending to borrowers in South Carolina


Standard Continuous Feed

Fixed /Variable Rate P NXX05* All other states plus federally chartered credit unions lending to borrowers in South Carolina


Standard Single Premium

Fixed Rate P ZXX02* All other states plus federally chartered credit unions lending to borrowers in South Carolina


Standard Single Premium Continuous Feed

Fixed Rate P ZXX05* All other states plus federally chartered credit unions lending to borrowers in South Carolina




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