Loan Application

* Indicates Required

• Step 1

  Loan Information

  What kind of Loan are you looking for? *

  Overdraft & LOC Personal Loan New Car Used Car Auto Refinance Share Secured Credit Card Other

  Loan Type is required

  Other:

  Loan Amount *

  Payment Method *

  Loan Statement Payroll Deduction Monthly Transfer

  Will you have a joint applicant? *

  No Yes

  Application Type is required
• Step 2

  Tell us about you

  First Name *

  Last Name *

  Date of Birth *

  Primary Phone *

  Work Phone *

  Email *

  How would you prefer we contact you? *

  Primary Phone Work Phone Email

  Preferred Contact Method is required
• Step 3

  Where do you live?

  Address *

  Address Line 2

  City *

  State *

  Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

  Zip *

  Do you own your house? *

  Rent Own Live With Parents

  Housing Type is required

  Do you owe mortgage? *

  Yes No

  Whether you owe mortgage is required

  Mortgage Holder

  Mortgage Balance

  Mortgage Payment

  Mortgage Holder or Landlord Name

  Monthly rent or board

  Have you lived at your current residence for more than 2 years? *

  Yes No

  Whether you have lived at your current residence for more than 2 years is required

  Tell us about your previous address

  Previous Address

  Previous Address Line 2

  Previous City

  Previous State

  Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

  Previous Zip
• Step 4

  Additional Information

  Account Number

  Social Security Number *

  Driver's License Number

  Drivers License State

  Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

  Marital Status *

  Married Separated Unmarried (single, divorced, widowed)

  Marital Status is required
• Step 5

  Employment Information

  Are you self employed? *

  Yes No

  Employment Status is required

  Yearly Income

  Have you been self employed for more than two years? *

  Yes No

  How long you have been self-employed is required

  Tell us about your previous job

  Job Title*

  Employer Name*

  Employer Address*

  City*

  State*

  Alabama Alaska Arizona Arkansas Cadivfornia Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carodivna North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carodivna South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

  Zip*

  Employed From*

  To*

  Employment Status *

  Full Time Part Time

  Employment Status is required

  Hours Per Week

  Gross salary per pay period

  Pay frequency*

  Monthly Bi-weekly Weekly Semi-monthly

  Have you worked at another job within the past 2 years?*

  Yes No

  Whether you have another previous employment is required

  Previous Job

  Job Title*

  Employer Name*

  Employer Address*

  City*

  State*

  Alabama Alaska Arizona Arkansas Cadivfornia Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carodivna North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carodivna South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

  Zip*

  Employed From*

  To*

  Employment Status *

  Full Time Part Time

  Employment Status is required

  Hours Per Week

  Gross salary per pay period

  Pay frequency*

  Monthly Bi-weekly Weekly Semi-monthly

  Have you worked at another job within the past 2 years?*

  Yes No

  Whether you have another previous employment is required

  Previous Job

  Job Title*

  Employer Name*

  Employer Address*

  City*

  State*

  Alabama Alaska Arizona Arkansas Cadivfornia Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carodivna North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carodivna South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

  Zip*

  Employed From*

  To*

  Employment Status *

  Full Time Part Time

  Employment Status is required

  Hours Per Week

  Gross salary per pay period

  Pay frequency*

  Monthly Bi-weekly Weekly Semi-monthly

  Have you worked at another job within the past 2 years?*

  Yes No

  Whether you have another previous employment is required

  Previous Job

  Job Title*

  Employer Name*

  Employer Address*

  City*

  State*

  Alabama Alaska Arizona Arkansas Cadivfornia Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carodivna North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carodivna South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

  Zip*

  Employed From*

  To*

  Employment Status *

  Full Time Part Time

  Employment Status is required

  Hours Per Week

  Gross salary per pay period

  Pay frequency*

  Monthly Bi-weekly Weekly Semi-monthly
• Step 6
  Do you have an additional source of income? *

  Yes No

  Whether you have additional income is required

  Additional income source *

  Overtime Part Time Rental Income Alimony Child Support Maintenance Other

  Additional income source is required

  Additional Income: Other Source

  Additional Income Gross Monthly Amount

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

  Yes No

  Whether your income is likely to decline is required
• Step 7

  Joint Applicant Information

  We also need information about your Joint Applicant! The next few pages (with "Joint Applicant Information" at the top) ask questions about your Joint Applicant.

  Tell us about you

  First Name *

  Last Name *

  Date of Birth *

  Primary Phone *

  Work Phone *

  Email *

  How would you prefer we contact you? *

  Primary Phone Work Phone Email

  Preferred Contact Method is required
• Step 8

  Joint Applicant Information

  Where do you live?

  Address *

  Address Line 2

  City *

  State *

  Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

  Zip *

  Do you own your house? *

  Rent Own Live With Parents

  Housing Type is required

  Do you owe mortgage? *

  Yes No

  Whether you owe mortgage is required

  Mortgage Holder

  Mortgage Balance

  Mortgage Payment

  Mortgage Holder or Landlord Name

  Monthly rent or board

  Have you lived at your current residence for more than 2 years? *

  Yes No

  Whether you have lived at your current residence for more than 2 years is required

  Tell us about your previous address

  Previous Address

  Previous Address Line 2

  Previous City

  Previous State

  Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

  Previous Zip
• Step 9

  Joint Applicant Information

  Additional Information

  Account Number

  Social Security Number *

  Driver's License Number

  Drivers License State

  Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

  Marital Status *

  Married Separated Unmarried (single, divorced, widowed)

  Marital Status is required
• Step 10

  Joint Applicant Information

  Employment Information

  Are you self employed? *

  Yes No

  Employment Status is required

  Yearly Income

  Have you been self employed for more than two years? *

  Yes No

  How long you have been self-employed is required

  Tell us about your previous job

  Job Title*

  Employer Name*

  Employer Address*

  City*

  State*

  Alabama Alaska Arizona Arkansas Cadivfornia Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carodivna North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carodivna South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

  Zip*

  Employed From*

  To*

  Employment Status *

  Full Time Part Time

  Employment Status is required

  Hours Per Week

  Gross salary per pay period

  Pay frequency*

  Monthly Bi-weekly Weekly Semi-monthly

  Have you worked at another job within the past 2 years?*

  Yes No

  Whether you have another previous employment is required

  Previous Job

  Job Title*

  Employer Name*

  Employer Address*

  City*

  State*

  Alabama Alaska Arizona Arkansas Cadivfornia Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carodivna North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carodivna South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

  Zip*

  Employed From*

  To*

  Employment Status *

  Full Time Part Time

  Employment Status is required

  Hours Per Week

  Gross salary per pay period

  Pay frequency*

  Monthly Bi-weekly Weekly Semi-monthly

  Have you worked at another job within the past 2 years?*

  Yes No

  Whether you have another previous employment is required

  Previous Job

  Job Title*

  Employer Name*

  Employer Address*

  City*

  State*

  Alabama Alaska Arizona Arkansas Cadivfornia Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carodivna North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carodivna South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

  Zip*

  Employed From*

  To*

  Employment Status *

  Full Time Part Time

  Employment Status is required

  Hours Per Week

  Gross salary per pay period

  Pay frequency*

  Monthly Bi-weekly Weekly Semi-monthly

  Have you worked at another job within the past 2 years?*

  Yes No

  Whether you have another previous employment is required

  Previous Job

  Job Title*

  Employer Name*

  Employer Address*

  City*

  State*

  Alabama Alaska Arizona Arkansas Cadivfornia Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carodivna North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carodivna South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

  Zip*

  Employed From*

  To*

  Employment Status *

  Full Time Part Time

  Employment Status is required

  Hours Per Week

  Gross salary per pay period

  Pay frequency*

  Monthly Bi-weekly Weekly Semi-monthly
• Step 11

  Joint Applicant Information

  Do you have an additional source of income? *

  Yes No

  Whether you have additional income is required

  Additional income source *

  Overtime Part Time Rental Income Alimony Child Support Maintenance Other

  Additional income source is required

  Additional Income: Other Source

  Additional Income Gross Monthly Amount

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

  Yes No

  Whether your income is likely to decline is required

• Debts

  Do you currently owe any debts? *

  Yes No

  Whether you have any debts is required

  Debt 1

  Debt Type

  Creditor Name

  Interest Rate

  Present Balance

  Monthly Payment

  Owed By

  Applicant Joint Applicant

  Debt 2

  Debt Type

  Creditor Name

  Interest Rate

  Present Balance

  Monthly Payment

  Owed By

  Applicant Joint Applicant

  Debt 3

  Debt Type

  Creditor Name

  Interest Rate

  Present Balance

  Monthly Payment

  Owed By

  Applicant Joint Applicant

  Debt 4

  Debt Type

  Creditor Name

  Interest Rate

  Present Balance

  Monthly Payment

  Owed By

  Applicant Joint Applicant

  Totals

  Present Balance

  Monthly Payment
• Step 13

  Property Owned

  Which of these assets do you own?

  Home Vehicle 1 Vehicle 2

  Home

  Date Purchased

  Purchase Price

  Current Market Value

  In whose name

  Vehicle 1

  Year, Make & Model

  Financed By

  Balance Owning

  Monthly Payment

  Vehicle 2

  Year, Make & Model

  Financed By

  Balance Owing

  Monthly Payment
• Step 14

  Please provide a reference

  Examples of valid references: a relative, a colleague, a supervisor, or a community leader who knows you well.

  If your reference is a relative, it must be a relative not living with you.

  Type of Reference *

  Reference Name *

  Reference Phone Number *

  Reference Address *

  Reference Address Line 2

  Reference City

  Reference State *

  Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming

  Reference Zip *
• Step 15

  Final Questions

  Do you have any outstanding judgments? *

  Yes No

  Whether you have outstanding judgments is required

  Have you ever filed for bankruptcy or had a debt adjustment plan confirmed under Chapter 13?*

  Yes No

  Chapter 13 Status is required

  Have you had property foreclosed upon or repossessed in the last 7 years?*

  Yes No

  Whether your property has been foreclosed is required

  Are you a U.S. Citizen or permanent resident alien? *

  Yes No

  Citizenship Status is required

  Are you liable for alimony, child support or maintenance programs? *

  Yes No

  Child Support Status is required

  What is the monthly payment? *

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

  Yes No

  Co-Maker Status is required

  For Whom (Name of Others Obligated on Loan)

  To Whom (Name of Creditor)

  File Upload

  To expedite your application, please upload the following files:

  • Valid ID
  • Copies of your last 2 pay stubs
  • If self-employed, copies of your last 2 years of U.S. Federal Tax Returns including all Schedules
  • Other documentation, if using other sources of income to qualify for the loan

  Accepted formats: .pages, .doc, .docx, .pdf, .png, .jpg

  Select files from your computer
  or simply drag & drop them here

  Agreement

  I/We agree to the terms and conditions of the Membership and Account Agreement, Truth-in-Savings Disclosure, Funds availability Policy Disclosure, if applicable, and to any amendment the Credit Union makes from time to time which are incorporated herein. I/We acknowledge receipt of a copy of the agreements and disclosures applicable to the accounts and services requested herein. If an access card or EFT service is requested and provided, I/we agree to the terms of and acknowledge receipt of the Electronic Fund Transfers Agreement and Disclosure. The Internal Revenue Service does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.

  Primary Applicant Date *

  Joint Applicant Date *

  TERMS AND CONDITIONS

  Read the important information below before submitting your request. Depending on the nature of this request, these disclosures may contain important information regarding applicable rates, fees and other costs.

  Important Disclosures

  Credit Report Authorization: By submitting this request, you authorize the Credit Union to obtain credit reports in connection with this request for credit and for any update, increase, renewal, extension, or collection of the credit received and for other accounts, products, or services we may offer you or for which you may qualify. You understand that the Credit Union will rely on information in this request and your credit report to make its decision. When applicable, spousal information may be requested as a part of this request. If you request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you.

  Accuracy of Information: It is a crime to willfully and deliberately provide incomplete or incorrect information in this request.

  HAWAIIAN FINANCIAL FEDERAL CREDIT UNION VISA PLATINUM CARD, GOLD CARD, CLASSIC CARD AND SHARE SECURED CARD ACCOUNT DISCLOSURE AND AGREEMENT

  Please read the following disclosure carefully prior to submitting your application.

  Interest Rates and Interest Charges
  Annual Percentage Rate (APR) for Purchases	Visa Platinum {{RATE}} Visa Gold {{RATE}} Visa Classic {{RATE}} Visa Classic Share Secured {{RATE}}
  APR for Balance Transfers	Visa Platinum {{RATE}} Visa Gold {{RATE}} Visa Classic {{RATE}} Visa Classic Share Secured {{RATE}}
  APR for Cash Advances	Visa Platinum {{RATE}} Visa Gold {{RATE}} Visa Classic {{RATE}} Visa Classic Share Secured {{RATE}}
  Penalty APR and When it Applies	Visa Platinum {{RATE}} Visa Gold {{RATE}} Visa Classic {{RATE}} Visa Classic Share Secured {{RATE}}
  How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
  Minimum Interest Charge	None
  For Credit Card Tips from the Consumer Financial Protection Bureau	To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

  Fees
  Annual Fee	None
  Transaction Fees - Balance Transfer Fee - Cash Advance Fee - Foreign Transaction Fee	None None None
  Penalty Fees - Late Payment Fee - Over-the-Credit Limit Fee - Returned Payment Fee	Up to {{RATE}} {{RATE}} Up to {{RATE}}

  How We Will Calculate Your Balance:

  We use a method called “average daily balance (including new purchases).”

  Effective Date:

  The information about the costs of the card described in this application is accurate as of: June 28, 2023

  This information may have changed after that date. To find out what may have changed, contact the Credit Union.

  For California Borrowers, the Visa Platinum, Visa Gold, Visa Classic and Visa Classic Share Secured are secured credit cards. Credit extended under this credit card account is secured by various personal property and money including, but not limited to: (a) any goods you purchase with this account, (b) any shares you specifically pledge as collateral for this account on a separate Pledge of Shares, (c) all shares you have in any individual or joint account with the Credit Union excluding shares in an Individual Retirement Account or in any other account that would lose special tax treatment under state or federal law, and (d) collateral securing other loans you have with the Credit Union excluding dwellings.

  Notice to New York Residents:

  New York residents may contact the New York State Department of Financial Services to obtain a comparative listing of credit card rates, fees, and grace periods. The New York State Department of Financial Services may be contacted at 1-800-342-3736 or www.dfs.ny.gov.

  Other Fees & Disclosures:

  Late Payment Fee:
  Either 5.00% of the past due amount or $2.00, whichever is greater, if you are 11 or more days late in making a payment. However, the fee will not exceed {{RATE}} .

  Returned Payment Fee:
  {{RATE}} or the amount of the required minimum payment, whichever is less.

  Rush Fee:
  {{RATE}} .

  Statement Copy Fee:
  $2.00 per document.

  
  

  Credit Card Consensual Security Interest

  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 your credit card account. Shares and deposits in an IRA or 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. You may withdraw these shares unless you are in default.  When you are in default, you authorize us to apply the balance in these accounts to any amounts due.  For example, if you have an unpaid credit card balance, you agree we may use funds in your account(s) to pay any or all of the unpaid balance.

  By signing or otherwise authenticating below, you are affirmatively agreeing that you are aware that granting a security interest is a condition for the credit card and you intend to grant a security interest.

  Primary Applicant Signature *

  Clear Signature

  Date *

  Joint Applicant Signature *

  Clear Signature

  Date *

  ---

  By checking the box(es) below and submitting this request, all parties named below are agreeing to the terms, conditions and disclosures associated with this request.

  I agree to the terms, conditions and disclosures of this request as the Primary Applicant. *

  I agree to the terms, conditions and disclosures of this request as the Primary Applicant is required.

  Note: A confirmation email will be sent to the email address provided confirming we received your loan request. The email will contain a link to the applicable disclosures.

  ---

  Electronic Document Consent

  I want to receive my loan documents electronically and I consent to conducting transactions electronically. I accessed the Electronic Document Consent (please click, open, and review) and I agree to the terms. You may save or print a copy for your records. If you are applying for joint credit, selecting this box indicates consent and agreement for each joint applicant.*

  I agree to the electronic document conseent terms is required.

  Click here to review the Electronic Document Consent

  For the Electronic Document Consent below, "I," "my" and "me" refers to each applicant; and "the credit union" refers to Hawaiian Financial Federal Credit Union.

  CONSENT AND ACKNOWLEDGMENT. By agreeing to this Electronic Document Consent, I consent to receiving certain documents electronically that the credit union would otherwise be required by law to give me "in writing" ("Documents"), conducting transactions in electronic form, and using electronic signatures in my relationship with the credit union. I also acknowledge that: (1) I can access, read, and print this Electronic Document Consent; (2) I can access and receive documents electronically, including email messages sent to my provided email address; (3) I can retain and/or print the documents the credit union sends me electronically; and (4) my electronic signature is the legal equivalent of my written signature, just as if I had signed a paper document.

  This Electronic Document Consent informs me of my rights when receiving Documents electronically. By agreeing to receive Documents from the credit union electronically, I will receive certain disclosures, notices, information and other documents related to my loan application and loan electronically through the credit union's website(s), other web sites related to my loan application, in an e-mail message or as an attachment to an e-mail message to the email address I provide to the credit union in my loan application or otherwise. My Electronic Document Consent will apply to the credit transaction I have requested from the credit union which may give rise to the obligation to provide Documents and to any other transactions, services, and/or products I may have with the credit union . The credit union reserves the right to provide certain Documents and other information via paper or mail even though you have consented to receive such Documents and information electronically.

  Hardware and Software Requirements. To access the Documents, I will need a working email address, Adobe Acrobat Reader (or similar program capable of viewing PDF documents), and a personal computer or other access device that can access the Internet using a web browser. To retain the Documents, my personal computer or access device must allow me to download and save Documents to my hard drive or external storage media, print web pages as well as embedded HTML files, or both. I can save and/or print this page to be sure I have the necessary hardware and software. It is my responsibility to keep my email address updated with the credit union for purposes of receiving Documents. By agreeing to this Electronic Document Consent, you confirm that you meet the Hardware and Software Requirements and you are able to receive electronic Documents from the credit union.

  Withdrawing Consent. I may withdraw my consent to receive Documents electronically at any time by contacting the credit union by telephone at 808-832-8700. If I decide to withdraw my consent, any Document previously provided as an electronic Document will remain valid, enforceable, sufficient for its intended purpose, and unaffected by the withdrawal of my consent. I understand that if I withdraw my consent, I would need to conduct transactions in a non-electronic manner.

  Copies. If I wish to obtain a paper copy of any of the Documents, I may call the credit union by telephone at 808-832-8700 and request a copy at no charge.

  Updating My Contact Information. I can update my e-mail address or mailing address by contacting the credit union, including by telephone at 808-832-8700 or at any branch location.

  Signatures

  By signing or otherwise authenticating below:

  1. You promise that everything you have stated in this application is correct to the best of your knowledge, and that the above information is a complete listing of what you owe. If there are any important changes, you will notify us in writing immediately.  You authorize the Credit Union to obtain credit reports in connection with this application for credit and for any update, increase, renewal, extension, or collection of the credit received and for other accounts, products, or services we may offer you or for which you may qualify.  You understand that the Credit Union will rely on the information in this application and your credit report to make its decision.  If you request, the Credit Union will tell you the name and address of any credit bureau from which it received a credit report on you.  It is a crime to willfully and deliberately provide incomplete or incorrect information in this application.
  2. If you are applying for a credit card, you understand that the use of your card will constitute acknowledgement of receipt and agreement to the terms of the Consumer Credit Card Agreement and Disclosure.

  Primary Applicant Signature *

  Clear Signature

  Date *

  Joint Applicant Signature *

  Clear Signature

  Date *