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Lufthansa Employee Federal Credit Union  Approved for $


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Lufthansa Employee Federal Credit Union Approved for $ ______________


LOAN APPLICATION Signature __________________________

I/We apply for a loan of $__________________________plus / less old loan balance for a period of ____________months, to be repaid in____________________

monthly installments. Purpose of Loan:____________________________________________________________________________________________________

APPLICANT INFORMATION .

COMPLETE LEGAL NAME OF APPLICANT DATE OF BIRTH SOCIAL SECURITY NUMBER GROSS MONTHLY INCOME



RESIDENCE STREET ADDRESS CITY STATE ZIP CODE HOW LONG AT RESIDENCE HOME PHONE NUMBER

 OWN  RENTING  BUYING  WITH PARENTS

FINANCED

RENT/MTGE. PER MONTH______________NO. OF DEPENDANTS___________DO YOU OWN AN AUTOMOBILE________MAKE_________________________YEAR__________BY______________________


DEPARTMENT POSITION AT WORK LH PERS. NO. DATE OF EMPLOYMENT WORK PHONE DRIVERS LICENSE NO




NAME OF NEAREST RELATIVE ADDRESS CITY STATE ZIP CODE PHONE


CO-MAKER INFORMATION .

COMPLETE LEGAL NAME OF JOINT APPLICANT DATE OF BIRTH SOCIAL SECURITY NUMBER GROSS MONTHLY INCOME



RESIDENCE STREET ADDRESS CITY STATE ZIP CODE HOW LONG AT RESIDENCE HOME PHONE NUMBER

OWN RENTING BUYING WITH PARENTS

FINANCED

RENT/MTGE. PER MONTH______________NO. OF DEPENDANTS___________DO YOU OWN AN AUTOMOBILE________MAKE_________________________YEAR__________BY______________________


EMPLOYED BY POSITION AT WORK DATE OF EMPLOYMENT WORK PHONE DRIVERS LICENSE NO.


DEBTS .

(Please attach a separate sheet if necessary)

The total of all my/our present debts as borrowers, Co-Makers or otherwise is/are $_______________. If none, state “NONE” otherwise list each obligation below:


CREDITOR AND ADDRESS ACCT NO ORIG. AMT BALANCE MONTHLY PAYMENTS





Have you ever been adjudged as bankrupt or have any judgment, garnishes or other legal proceedings ever been filed against you?____________. If yes, give particulars on a separate sheet. I/We certify that all statements made are true and complete and are submitted for the purpose of obtaining credit. I/we authorize you to obtain any information relative to this application from any bank, finance company, credit bureau and my/our employer. Without in any way limiting the foregoing (I/We affirm, represent and warrant that I/We have no outstanding obligations to any bank , loan company, corporation or individual and no suits, judgments or legal claims of any kind whatsoever are pending against me/us except as stated by me/us in this application. I/We further authorize the Payroll Department of Lufthansa and/or its subsidiaries to deduct the monthly payments from my pay each payroll period and to transmit same currently to the Lufthansa Employee Federal Credit Union.

_____________________________________________________ __________________________________________________________

SIGNATURE OF APPLICANT CO-MAKER



CONSUMER CREDIT DISCLOSURE OF LOAN .

TOTAL OF
PAYMENTS


FINANCE
CHARGE


AMOUNT
FINANCED


ANNUAL
PERCENTAGE RATE


CREDIT LIFE
INS. CHARGE


DISABILITY
INS. CHARGE


PROPERTY
INSURANCE CHARGE


$

$

$

%

NONE

NOT INCLUDED

NOT INCLUDED

Payable in:

DUE DATE OF PAYMENTS

 

 

  AMOUNT OF

PAYMENT

 

Consecutive
Monthly
Installments

First:


Others: Same Day of Each Month

FINAL:

SAME


First:

$


Others:

Same


Final:

Same


Recording Fee
$

NOTICE: All Loans not secured by real estate are covered by life insurance up to $30,000.00 - at no cost to the borrower/s. Coverage excludes pre-existing health conditions and loans for borrower/s who have reached the age of 70.

THERE IS NO PENALTY FOR EARLY REPAYMENT OF LOAN. FULL CREDIT FOR UNUSED INTEREST CHARGES WILL BE GIVEN.



LATE CHARGES: NONE

CONSUMER LOAN NOTE CHECK #___________________
This is the note that covers my loan with LUFTHANSA EMPLOYEE FEDERAL CREDIT UNION. When I sign my name below, this means I accept the terms of the note. I understand that anyone else who signs will be responsible, individually, and together, to the same extent I am. In this note the words “I”, “me” and “my” mean the borrower. “You” and “your” refer to Lufthansa Employee Federal Credit Union.
Promise to pay: I promise to pay to you as the set forth below at 1640 Hempstead Turnpike, East Meadow, NY 11554, the financed amount of $_______________/____in_______ monthly installments of $__________each. The first installment will be due not less than 30 days after the date I receive the proceeds. The finance charge will begin 5 days after I sign this note.

Here is the breakdown of this note:

LOAN PROCEEDS $___________________

FINANCE CHARGES $___________________

TOTAL PAYMENTS $___________________ ANNUAL PERCENTAGE RATE________%
To ASSURE PAYMENT OF THIS NOTE I give you as SECURITY________________________________.
Your option on default or termination of employment: In case of failure to pay, when due, any amount payable under this note, or upon termination of my employment with Lufthansa and/or its subsidiaries, you may at your option declare the entire balance then owed under this note, less finance charges not yet accruing, IMMEDIATELY due and payable. I expressly and irrevocably authorize Lufthansa and/or its subsidiaries to deduct all or part of such balance from any money it owes me (for example, unpaid wages, unused sick days, unused vacation days, or severance pay) and to transmit such amount to you on my behalf.
Delay in enforcement : You can waive or delay any of your rights without losing them. You can waive or delay enforcing a right as to any one borrower without waiving it as to the other. Also, you can release one borrower from his or her responsibilities under this note without releasing the other. You need not give anyone notice of your waiver, delay or release.
Collection Costs: I agree to pay any costs, including court costs, reasonably incurred by you in enforcing your rights to collect any amount due under this note. If you use an attorney who is not a salaried employee to enforce these rights, I also agree to pay an attorney’s fee of up to 20% of the amount due under this note.
Right of Setoff: If the entire balance of my loan becomes due for any reason, you may collect all or part of this unpaid balance by deducting such amount from any deposit balances or credit balances I have with you. In addition, you may collect all or part of this unpaid balance by selling any property I have given as security for this note and applying the proceeds from such sale toward my debt.
Notice not required: If the note is not paid when due, you do not have to give notice before you can enforce your rights to collect all amounts due. You do not have to present this note, demand payment or protest.
Applicable law: This agreement is governed by New York State law.
I have read this Note and received a completed copy. I understand that it contains all our rights and responsibilities. The Note can not be changed without your written permission and will be binding on my heirs, and legal representatives.

____________________________________________ ____________________________________________

SIGNATURE OF APPLICANT (PRINT OR TYPE NAME BENEATH) CO-MAKER

_______________________________________________________

WITNESS

OR NOTARIZATION


State of_______________________County of____________________SS:_______________________________
On the__________day of _________________________20_____, before me personally
came___________________________________________________to me known to be the individual (s) described in and who executed the foregoing instrument, and acknowledged that (he, she, they) executed the same.

______________________________________________________



NOTARY PUBLIC


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