Please read and agree to the following disclosure before continuing to the loan application.

E-Sign Disclosure

Western New York Federal Credit Union (WNY FCU, we, or us) may be required by law to provide to you certain written notices or disclosures. Described below are the terms and conditions for providing to you such notices and disclosures electronically. Please read the information below carefully and thoroughly, and if you can access this information electronically to your satisfaction and agree to these terms and conditions, please confirm your agreement by clicking the 'I agree' button at the bottom of this document.

This E-Sign disclosure is only in regards to this specific request for credit.

To advise WNY FCU of your new email address - To let us know of a change in your email address where we should send notices and disclosures electronically to you, you must call WNY FCU at 716.771.5000 or visit the Credit Union and request the email change.

Getting paper copies - At any time, you may request from us a paper copy of any record provided or made available electronically to you by us. You can obtain agreements and disclosures by printing it/them yourself. You can also contact us at 716.771.5000 or send us an email at info@wnyfcu.com to request a paper copy of these agreements and disclosures be sent to you. Please see fee schedule for applicable fees.

Withdrawing your consent - If you receive notices and disclosures from us electronically, you may at any time change your mind and tell us that thereafter you want to receive required notices and disclosures only in paper format. To inform us that you no longer want to receive future notices and disclosures in electronic format, you may contact us at 716.771.5000 or send us an email at info@wnyfcu.com and in the body of such request you must state your email, full name, postal address, telephone number, and account number. We do not need any other information from you to withdraw consent.

Consequences of changing your mind - If you elect to receive required notices and disclosures only in paper format, it will slow the speed at which we can complete certain steps in transactions with you and delivering services to you because we will need first to send the required notices or disclosures to you in paper format, and then wait until we receive back from you your acknowledgment of your receipt of such paper notices or disclosures.

How to contact WNY FCU - You may contact us to let us know of your changes as to how we may contact you electronically, to request paper copies of certain information from us, and to withdraw your prior consent to receive notices and disclosures electronically as follows:

To contact us by email send messages to: info@wnyfcu.com

To contact us by phone please call us at 716.771.5000

To contact us by mail please use the following address: Western New York Federal Credit Union 1937 Union Road West Seneca, NY 14224

Required hardware and software - You must have access to a computer with browser software such as Microsoft Internet Explorer; Adobe Acrobat Reader; Internet access, and an active/operating e-mail address (at your cost). Your computer needs to support the following requirements:

An operating system, such as: • Windows 98, NT, 2000, ME, XP, Vista, or Windows 7; or • Macintosh OS 10.x

Access to the Internet and an Internet browser which supports HTML 4.0 and 128bit SSL encryption and JavaScript, such as:

For PC using Windows 98, NT, 2000, ME, XP, Vista, or Windows 7 • Microsoft Internet Explorer 9.0 and higher • Firefox 3 and higher • Chrome 10.0 and higher • Safari 4.0 and higher

For Macintosh using OS 10.x • Safari 3.0 and higher • Firefox 3 and higher • Chrome 10.0 and higher

Other Internet browsers may be used, but are not supported.

By affirmatively consenting, you confirm that you have access to the necessary hardware and software.

These minimum requirements are subject to change. If these requirements change, we will provide you with an email message at the email address we have on file for you at that time providing you with the revised hardware and software requirements, at which time you will have the right to withdraw your consent.

Acknowledging your access and consent to receive materials electronically - To confirm to us that you can access this information electronically, which will be similar to other electronic notices and disclosures that we will provide to you, please verify that you were able to read this electronic disclosure and that you also were able to print on paper or electronically save this page for your future reference and access or that you were able to email this disclosure and consent to an address where you will be able to print on paper or save it for your future reference and access. Further, if you consent to receiving notices and disclosures exclusively in electronic format on the terms and conditions described above, please let us know by clicking the 'I agree' button below.

By checking the 'I Agree' box, I confirm that: I can access and read this Electronic CONSENT TO ELECTRONIC RECEIPT OF ELECTRONIC CONSUMER DISCLOSURES document; and

I can print on paper the disclosure or save or send the disclosure to a place where I can print it, for future reference and access; and

Until or unless I notify Western New York Federal Credit Union(WNY FCU) as described above, I consent to receive exclusively through electronic means all notices, disclosures, authorizations, acknowledgements, and other documents that are required to be provided or made available to me by WNY FCU during the course of my relationship with you; and

I agree to submit this loan application electronically, including authorization to pull a consumer credit report.
Loan Information

WNY Federal Credit Union Loan Application

Do you want Credit Disability Insurance in connection with this loan?

Do you want Credit Life Insurance in connection with this loan?

Primary Applicant

Primary Applicant - Personal information

Complete for joint credit, secured credit, or if you live in a community property state

Employment information


Credit information


Residence

Is the property described your principal dwelling?

Any proceeds for a Refinanced Mortgage, Home Equity, or Home Improvement?

Is the property described listed as the applicant's address in the "Personal Information" section?

Is anyone other than your spouse a part owner of your home?

Have you ever had a car or other personal property repossessed by a dealer or finance company, filed for bankruptcy, or been a party to a wage assignment or collection suit, or have you ever been declined on a loan application with this credit union?

Reference


Additional Questions

Are you a US citizen or permanent resident alien?

Do you have any outstanding judgments?

Is your income likely to decline in the next two years?

Are you a co-maker, co-signer, or guarantor on any loan not listed?

Are you a student or do you have a work visa?

Have you filed for bankruptcy or had a debt adjustment plan confirmed under chapter 13?

Have you had property foreclosed upon or given a deed in lieu of foreclosure in the last 7 years?

Are you a party in a lawsuit?

Home equity information


Joint Applicant

Joint Applicant - Personal information

Complete for joint credit, secured credit, or if you live in a community property state

Employment information


Credit information


Residence

Is the property described your principal dwelling?

Any proceeds for a Refinanced Mortgage, Home Equity, or Home Improvement?

Is the property described listed as the applicant's address in the "Personal Information" section?

Is anyone other than your spouse a part owner of your home?

Have you ever had a car or other personal property repossessed by a dealer or finance company, filed for bankruptcy, or been a party to a wage assignment or collection suit, or have you ever been declined on a loan application with this credit union?

Reference


Additional Questions

Are you a US citizen or permanent resident alien?

Do you have any outstanding judgments?

Is your income likely to decline in the next two years?

Are you a co-maker, co-signer, or guarantor on any loan not listed?

Are you a student or do you have a work visa?

Have you filed for bankruptcy or had a debt adjustment plan confirmed under chapter 13?

Have you had property foreclosed upon or given a deed in lieu of foreclosure in the last 7 years?

Are you a party in a lawsuit?

Terms and Conditions

Assets and Debts

List your assets.


Pledged as collateral for another loan?

Owner of asset


Pledged as collateral for another loan?

Owner of asset


Pledged as collateral for another loan?

Owner of asset


Pledged as collateral for another loan?

Owner of asset


List your debts.

Debt 1 Owner:



Debt 2 Owner:


Debt 3 Owner:


Debt 4 Owner:


Debt 5 Owner:


Debt 6 Owner:

Terms and Conditions


Do you agree with the above terms and conditions?


Co-Applicant

Do you agree with the above terms and conditions?


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